How long do people realistically expect a laptop to stay competitive with SOTA local models? Especially in a space where model sizes, context windows, and inference requirements keep moving every year.
And even if the hardware lasts, the local experience usually doesn’t. A heavily quantized local model running at tolerable speeds on consumer hardware is still nowhere near frontier hosted models in reasoning, coding, multimodal capability, tool use, or reliability.
The economics just don’t make sense to me unless you specifically need offline inference, privacy guarantees, or low latency for a niche workflow. Otherwise you’re tying up $10k upfront to run an approximation of what you can already access through a subscription that continuously improves over time.
You could literally put the difference into index funds and probably cover the subscription indefinitely from the returns alone, even accounting for gradual price increases.