It makes much more sense from every perspective to buy them and put them in your bedroom.
Cloud GPUs are slow, VERY expensive and not even available.
You shouldn't need the superstar power of being John Carmack to get access to computing resources.
The promise of the cloud is for the most part, sssnake oil.
One of the big deals about data center GPUs is that they have a lot of RAM, more than any consumer card.
If you're not running something that needs NCCL et al, yeah, go run something under your desk.
Anecdotally, having a single high powered modern GPU in my office generates enough heat that it is in part why I keep a temperature monitor on my desk to ensure I'm not cooking myself. Having more than one gets far more interesting.