Don't underestimate smaller local models
I used to think that I could never do local models, 'cause I have an ancient PC that was mid even in its heyday. And people suggesting local are always like "get Gemma 32B" as if that's the only one worth getting, and when you realize your PC can't even remotely run it you just give up...
But there are models such as gemma-4-e4b (it apparently has 7.5b parameters despite the misleading name?) and qwen3.5-9b that even my PC can run (a bit slowly but whatever), and those are... good? Their answers are thoughtful and nuanced - you could mistake them for answer from a frontier model. And their personalities are nice even by default, let alone once you write your own system prompt and finetune their settings (for example a bit more temperature can be fun).
Granted, I haven't tried anything extremely complicated with them yet, and the context is limited (can't do long ass conversations), but at least for me this is lots of fun and definitely worth it (well, it's free, so... ). Also somehow reassuring that even if ALL the frontier models raised their prices sky high with zero free usage, at least I have my own little robots at home.