I prefer a stock image as well. At least it was crafted by a human being behind a camera. And as a pro photographer, and someone who takes thousands of photos a month and views thousands more, there is something indescribably human about human works that are lacking in AI.
There is no way you could tell the difference between stock photo and AI generated art. Stock photos are created to be generic and soulless. That allows them to have the most broad applicability.