You're assuming that you'll still be able to get a personal computer in the future. With the rate that we are losing the ability to purchase new affordable equipment, I am not sure how much longer personal computers will remain a thing except for hobbyists, and if they will get much more expensive.

My goodoleboi 1080Ti (equivalent) just gave up the goose... so I did the only honorable thing and futureproofed myself into a 5070Ti.

Godspeed, good generatively-transformed futures - may you forever remain pretrained...