Copilot Studio talking to Dataverse over MCP isn't abstract.
It's the signed-in user. Same rights. Same tables. When that connector hiccuped on Aug 20, practitioners got a flat "database connection" error and the agent went dark for everyone on it.
Fabric Data Agents are the other lane. You ask something like "revenue by region last quarter," it turns into DAX or SQL against a governed semantic model, under Entra. Docs are blunt: no create, no update, no delete. The annoying failure mode there is quieter. Truncated rows. Wrong source if you wire too many.
I care more about whose credentials and whether it can write than about which product name is on the agent.