> In a hypothetical future with 2026 level LLMs on a (high end) consumer laptop, I still think that majority of buyers would prefer to pay 20 USD/month for a service. Just for the convenience and flexibility.

$20 a month is a lot of money, I don't think the "convenience and flexibility" you get would actually be worth it, unless you've 1) got money to burn, 2) lack the skills to install software, 3) the open source community totally fails to develop a reasonable installer. The LLM service would probably be akin to a scam preying on ignorance, like those companies that will rent you a water softener for like $100/month.