You’re right; then again, my money’s on “ai photo” becoming common enough to acquire meaning on its own. We already have a glow-worm (not a worm), funny bone (not a bone), Baby Yoda (not the Yoda), and many more.
that other people are incorrect is no reason to volunteer to be incorrect too. In fact I'd say its the opposite of good to use the wrong terms when you know better.
I suppose 'AI Generated Photography' sounds better than 'yet another stable diffusion model' but one is correct and the other isn't. This has nothing to do with photography.