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You can run your Dream Machine without cloud access, though?

You can, yes. The bigger problem is that I also bought into their Protect products at the same time. And you lose a ton of functionality if you turn off cloud access.

I'm going to try to replicate notifications and stuff using Home Assistant and shut off the remote access completely, but I might as well have purchased a cheaper and better NVR + camera setup if I need to set up all of this stuff myself anyway...

What do you lose with protect when clouds disables?

Mostly remote monitoring capabilities. You don't get motion/detection/doorbell notifications, and the Protect app needs to VPN in to view cameras when you're not on the local network.

We were using Nest before and these would be huge UX downgrades for my not-tech-savvy spouse.

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