M4 24GB here. You'll be fine, if you're anything like me minor latency is acceptable to obtain (a) privacy (b) reliability (c) CI/CD/guardrails (d) network independence (e) future-proofing vs. AIaaS. https://omlx.ai/ gives you intelligent local hardware based model download recommendations. That said it probably depends heavily on your workload, process and polish expectations. See also https://news.ycombinator.com/item?id=48089091