Ask HN: Small LM or API?
Is small language models still worth it in 2026, or are most people just using APIs now?
That said, "worth it" still depends heavily on your hardware. A 4070 Ti gets you a very different answer than a 3060.
Disclosure: I'm building localllm-advisor.com, free and client-side, which also helps answer these types of questions. It shows which models fit your GPU with quantization options and estimated tok/s, or which GPU you'd need to run a specific model. Relevant to the question so I'm mentioning it, but take it for what it is.