IMO the programming world is far too myopic about / insistent on using laptops, especially macbooks. Just because a crappy deal exists doesn't mean everyone is forced to take it. Local AI is a high performance computing problem and laptops are fundamentally a crappy form factor for it; buy an efficient desktop computer and be surprised at what's possible even with today's crazy prices.
I have used the following on a 32G MacMini to help write useful code:
ollama launch claude --model qwen3.6:27b-coding-nvfp4
The problem is that running local models (except for engineering tasks like data munging) is slow. With the above setup I set up a task (asking for no user verification) and go for a walk to wait for results that my Gemini Ultra plan would produce in 10 seconds.