This is especially true since AI is a large multiplicative factor to your productivity.

If Cloud LLMs have 10 IQ points > local LLM, within a month, you'll notice you'll be struggling behind the dude who just used Cloud LLM.

LocalLlama is for hobbies or your job depends on running locallama.

This is not one-time upfront setup cost vs payoff later tradeoff. It is a tradeoff you are making every query which compounds pretty quickly.

Edit : I expect nothing better than downvotes from this crowd. How HN has fallen on AI will be a case study for the ages