I don't vibe-code, but I do decide what to implement and what patterns to use (perhaps asking the model to analyze and give advice on this first), then I have it handle the nitty-gritty of the implementation itself. For this usage style, the latest local models are as good as having Claude at home.
I won't say it's been _easy_ (I ended up implementing my own harness to accommodate the idiosyncrasies of local models), but I will say that for the effort, having a coding agent that's essentially free to query as much as I want has been life-changing as a dev, especially when it comes to working on side projects. Knowing that my agent will never get worse in quality, suddenly cost more than it does now, or be suddenly made unavailable by external factors, was absolutely worth the trouble. And on top of all that, I can't believe it's as good as it is.