The only reason to have a local model right now is for privacy and hobby.
The economics are awful and local model performance is pretty lackluster by comparison. Never mind much slower and narrower context length.
$6,000 is 2.5 years of a $200/mo subscription. And in 2.5 years that $6k setup will likely be equivalent to a $1k setup of the time.
We don't even need to compare it to the most expensive subscriptions.
The $20 subscription is far more capable than anything i could build locally for under $10k.