I don't run any locally, but when I was thinking about investing in a setup, it would just be to have the tool offline. I haven't found the online subscription models to be sufficiently and frequently useful enough beyond occasional random tedious implementations that I'd consider investing in either online or offline LLMs long-term, and I've reverted back to normal programming for the most part, since it just keeps me more engaged.

Something to consider is using a middleman like openrouter, you can buy some credits and then use them at whatever provider through them - no subscription just payg. For a few ad hoc things you can put a few bucks in and not worry about some monthly thing.