Yes, if I was going to throw away ten grand on a computer that can run models that are much worse than what I can rent from a variety of providers for a few bucks a month, I'd buy the Apple.
When memory prices come back down, I'll be down to the Apple Store. But, it doesn't make sense to buy hardware right now.
I bought a refurbished M3 Max a couple of years ago just to try things out, I get 90 toks/s which is good enough for a lot of tasks. But ya, when DRAM prices come back down I'll definitely look for a better local rig.