The biggest difference is the starting line. Dilly opens with Profile already in context: wins, projects, what someone has done in each role, the field they are aiming at. ChatGPT starts from zero every time, which means every chat is a setup tax before anything useful happens.
The second difference is honesty. Craft in Dilly is grounded in the Truth Ledger, the rule that the app writes from real, evidenced facts only. ChatGPT will invent a skill that does not exist if nobody catches it. On a resume, that is the kind of mistake that costs interviews.
The third is focus and structure. Dilly is tuned to career execution: Home moves, Scout fit narratives, Forecast positioning, Craft PDFs. Chat is available on the Dilly plan as a back-and-forth layer on top of that spine. ChatGPT is a generalist that is also fine at career work, the way a sedan is fine at off-roading. Both have a place, but they solve different problems.