Agreed.
Specially since one can pay half right now to OpenAI and sign a 12 year iron clad contract for uninterrupted service delivery of OpenAI Pro.
HN always has these completely contrived counterarguments. What is actually going to realistically happen that will prevent use of an LLM provider? Did you think that the OP literally meant the 12 years or maybe it was just to show how expensive using a Mac Mini as an alternative is?
I think we all expect the heavy subsidized subscriptions to end or significantly increase in price at some point, but it could be years from now and I'd rather spend a similar figure on an hypotetical Mac Studio M8 Ultra, or whatever more advanced competitor that will have likley appeared by that time.
A more apples-to-apples comparison would be with API cost in OpenRouter at the same tok/s rate for the same models that you can run locally, maybe.