You can't put a price of sending all your IP to a dubious third-party. Sorry. You argument apples vs oranges.

If you want local AI, which I absolutely encourage you to, I agree with the OP. Get a (mini)-PC and set up a VPN. It's going to save you money compared to a laptop, short- (usually cheaper) and long-term (usually better upgradeability). You'll have more money for therapy, which I would also encourage you to consider if you come from a broken home, as the GP mentioned.