The Claude plans are probably still heavily subsidized. Expect prices to increase, especially after the IPO. Self-hosting models for personal use is probably overkill, but I can see companies doing it pretty soon since they can probably run 24/7 workloads and fully utilize the hardware.

Great point. And, 3 years ago, a 4090 cost $1600, so maybe that will happen again some day. (Same/similar card, or a future card. I remember when GPUs used to get better every few years instead of staying roughly the same but costing several times the original amount!)