The options available across the board are getting cheaper and better all the time.

There is no reason to believe that equivalent level model output will be more expensive in 12 months, let alone almost 4 years from now.

Of all the good reasons to use local AI (privacy, etc), worrying about not having access to cheap models in 4 years is not one of them.

Models equivalent to current version of gemini will likely be much, much cheaper, maybe even something like 100x cheaper.