Not useful for chat, agreed — and I wouldn't pretend otherwise. It's useful for the other kind of work: scheduled, unattended jobs where nobody is waiting on the cursor. My use is day/week/month end review — go through the numbers, flag what doesn't reconcile, draft the report — and there the two things that matter are that the model is good enough to trust with the judgement (K3 is, and it's the full 2.8T model, not a cut-down one) and that the data never leaves the machine.