to me, this is a "truck" approach to city driving as a single person who does not do furniture hauling every weekend. the sense of privacy and freedom is nice but online inference is more "economical" as multi-user load is more effectively served than going solo.
maybe new architectures would make it effective to do text inference locally [1], till then great on you if you can spend car money on your setup. hope it is a great learning experience as well.