This should be a warning to those who feel that it's ok to offload your creativity to a subscription service. Always need a local model in some form.
The 'local model' is called your brain.
The year is 2026 and if you are using your brain on chore work like one-off scripts, refactoring, boilerplate test code, then you are wasting time and money and I don’t want to work with you.
Local models are fine for this and can do it in a fraction of the time your brain will take to even get bootstrapped