No, I think you explained it pretty well. One of the best examples of why Tony is still one of the only ones qualified to operate the armour even *with* an AI though, would be the Rucka-written Punisher: Warzone story from a few years ago; there, Frank just happened to manage to steal/use a more contemporary armour and still only just managed to use it because Tony had made it that intuitive.

So I think Tony brings a lot to the table, but the nature of the tech - particularly as our understanding of what would be required to operate such a thing (like a HUD, sensors, weapon systems) has increased - means an AI is totally necessary.