With the number of fine-tuned LoRAs and checkpoints - from a realism standpoint, yes SDXL is still very viable. From a prompt adherency perspective, absolutely not.
Qwen-Image-2512 / Z-Image / Flux.2 absolutely crush SDXL if you're actually generating moderately complex scenes.
Do you still need a wacky backend to run them locally or does LM Studio make it easy nowadays? Last I use a local diffusion model was late 2022.
So I use a combination of Neo Forge and ComfyUI. Forge has an easier learning curve but ComfyUI gets all the new "hotness" almost immediately since there's so much custom nodes for it.
If you're on a Mac, I've heard that Draw Things is supposed to be pretty "batteries included" simple for image gen along the same lines as LM Studio.
https://github.com/Haoming02/sd-webui-forge-classic/tree/neo
https://github.com/Comfy-Org/ComfyUI
https://drawthings.ai