But those giant models get the boilerplate correct the first try! You're totally right though. My favorite thing to do these days is to hand craft the code in the middle of the app, then tell AI to make me a rest endpoint and a test. I do the fun/important part. :D
Though, that's coming from someone who can't justify thousands on personal hardware and is instead paying $20/month to Openai. Might as well use the best.
I hear you in the local model upfront cost. I lucked out and I like to play video games and took my GPU a little to seriously. Buyers remorse is now gone I guess.
You can get pretty good results with even smaller models. Cant prompt and pray with them as much though. So I get it.
Deepseek is like pennies. I might sign up with them one day