Yea, I actually looked into a similar thing myself recently. I was looking at how we could replace Cursor, and I found that for ~10 people we'd need a half dozen H100's or something on that scale, which would cost ~$1500 per developer or so to build and maintain on cloud infra, and to buy it would cost roughly 3 developers yearly salaries or so (this aligns with your numbers). We don't use that much inference, so we decided paying Cursor ~$200-300 per dev per month is better, for now, but in the future we might regret that when prices normalize more. However, we also don't use cloud agents or independent agents, we basically use AI as a pair programmer, so if we had to drop AI coding assistants completely our process wouldn't break too badly. I wish I could task my 3080 gaming card to do some inference, but I can only get ~10B models on there, so it's kinda worthless unless it's for something a small model can do.