Model Intercomparison Project (CMIP) model simulations suggest that a full collapse is unlikely within the 21st century.
In reference to the cmip model, the article says:
> There are, however, model biases toward overestimated stability of the AMOC, both from tuning to the historic climate record, poor representation of the deep water formation, salinity and glacial runoff.
The article goes in to say why they disagree with the cmip assessment, and rather believe it could happen “around mid century” of the current century.
I think that's the biggest problem. You can draw up a house in free apps in a couple of minutes or hours but that doesn't mean it's structurally sound or that the walls will have the right dimensions for the pipes and cables that need to run through them or that they're the right size for the kind of insulation you want or that the windows meet your country's/state's legal regulations or that the house meets the code for where you want to build (which can literally depend on the part of the road the building will be on).
We approached our architect with pretty much a full floorplan in hand but it still took us months to pin down something that would get fast-tracked for approval and even then the floor plans had to be modified by the construction company to account for the placement of things like toilets and showers. Even without changing any of these details we couldn't take the floorplans and just submit them for a different part of town as they would likely not match the requirements there.