Why do you need them to provide a coding agent? Just use their model with any off the shelf coding agent. I happen to prefer Pi, but use whatever works for you.
Edit: here is a really good twitter thread about this exact topic: https://xcancel.com/kunchenguid/status/2057700714626105412
I can't claim it's "the best"...
But the Pi.dev and OpenRouter combo is what I'm doing at home, and I love it. Setup was easy, I can use /model to switch between any of the openrouter models and whatever I'm hosting locally via VLLM.
Anyhow, I'm pulling myself up by my own bootstraps.
For me a 5% overhead is fine... if it gives me better visibility of this rapidly moving field.