The KV cache won't soften the blow the first time they paste a code sample into a chat and end up waiting 10 minutes with absolutely no interactivity before they even get first token.
You'll get an infinitely more useful build out of a single 3090 and sticking to stuff like Gemma 27B than you will out of trying to run Deepseek off a CPU-only build. Even a GH200 struggles to run Deepseek at realistic speeds with bs=1, and there's an entire H100 attached to CPU there: there just isn't a magic way to get "affordable fast effective" AI out of a CPU offloaded model right now.