Earlier quoted context omitted.
Too hot and expensive to run right now but a great hedge for peace of mind against $200 subscriptions shooting up to the $4000* they should cost. *$1000? $14,000? Who knows but everything in the middle there has been claimed.
If they "should" cost 4k in the sense of marginal cost, then you will be spending more running the same at home, because your home hardware will always be less efficient.
The cost of online services is also largely a result of the cost of training (though hard to say exactly what that number is). Assuming you are using open weight models at home, you aren't paying for the training - someone else is.