By my estimation (guess) you won't actually need to spend that much because the models are already getting a point where they don't need to get a whole lot better to be extremely helpful across many domains.

And it looks like those very helpful capabilities will continue to transfer to smaller models as well, as architectures and training regimes continue to refine.

I can fairly easily imagine a world where the only people needing to spend a lot of money on models are those that are using them to solve truly novel problems. The rest of us will get plenty of use at reasonable costs for the typical day-to-day helpful stuff.