Rule of thumb: P + O + W are enough for a simple prompt. Add E and R when you need precision or the first answer falls short.
| Surface | What it is | Best for | Note |
|---|---|---|---|
| Microsoft 365 Copilot Chat | Free with eligible M365 license; web-grounded, enterprise data protection | Drafting, summaries, quick Q&A | No paid license needed |
| Microsoft 365 Copilot (licensed) | Grounded in your work data (Graph), inside the apps | Email, Teams, Word, Excel, PowerPoint | $30/user/mo add-on |
| Agent Mode | Multi-step actions in Word / Excel / PowerPoint (default since Apr 2026) | Build a deck, model a spreadsheet end-to-end | Excel = "Edit with Copilot" |
| Copilot Cowork | Agentic teammate for long, multi-tool tasks (GA Jun 2026) | Whole-task delegation | Uses Copilot Credits |
| Public ChatGPT | Consumer tool, outside the Ferrero tenant | Personal, non-sensitive use only | ⚠ Never paste internal data |
Under the hood: Copilot runs on GPT-5.5 with Anthropic Claude selectable (in the EU, Claude is admin-enabled and outside the EU Data Boundary).
My team use case: _______________________________________________
My first personal AI use case: _______________________________________________
The Copilot surface I'll try first: _______________________________________________
My 30-day objective: _______________________________________________