Even ignoring that, most of the development is running experiments. You're gonna be hesitant to run lots of experiments if they each cost money whereas when you pay upfront for the hardware, you're gonna have the incentive to fully utilize it with lots of experiments.
I'd go with rtx 4090 and deal with memory limitation through software tricks. It's an underrated card that's as performant as cards that are magnitude pricier. It's great way to get started with that budget.
any recommendations on how to buy one? e.g. 24GB model, any particular model to run LLMs? what is the biggest baddest LLM you can run on a single card?
have been thinking about it but was sticking with cloud/colab for experiments so far.
z790 chipset w/ mobo that supports x8/x8 bifurcation
96gb ddr5 @5600mhz
I'm happy with my 4090 though. Dealing with splitting between GPUs sounds like a chore and also I like the gaming abilities of the 4090.
If you also want a Mac consider an m3 MacBook with maxed ram.