Even paying API pricing it was significantly cheaper than the nearly $500 I was paying monthly (I was spending about $100 month combined between Claude pro, chat gpt plus, and open router credits).
Only when I knew exactly the setup I wanted locally did I start looking at hardware. That part has been a PITA since I went with AMD for budget reasons and it looks like I'll be writing my own inference engine soon, but I could have gone with Nvidia and had much less issues (for double the cost, dual Blackwell's vs quad Radeon W7900s for 192GB of VRAM).
If you spend twice what I did and go Nvidia you should have nearly no issues running any models. But using open router is super easy, there are always free models (grok famously was free for a while), and there are very cheap and decent models.
All of this doesn't matter if you aren't paying for your AI usage out of pocket. I was so Anthropics and OpenAIs value proposition vs basically free Gemini + open router or local models is just not there for me.