I don't use theme-based tags at all, that's what collections are for. My tags contain meta-information like #todo/read or #done/read etc. However the AI tag proposals I get are never from my existing tags but newly invented theme-based tags that are useless and distracting. I can only disable AI tag and collection proposals together in the settings, however, the AI collection proposals are actually useful (because they only propose existing collections!) and I want to keep them.
The solution could be to have an option to disable only the AI tag proposals or even better to only propose tags that exist already. It does not even need to be AI - the most frequent tags proposed would be probably already very useful.