Is it "worth it" running your own instance on your machine?

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StableDiffusion

Obviously highly subjective, but I ask nevertheless. If you run, say, stablediffusion on your own machine with your own nvidia card and maybe try around with some loras, are there then many moments where you say "wow, that's really great!" or "I couldn't have gotten THAT exactly what I wanted with the more generic models from openAI or Grok etc." ? I'm asking because the big players are expensive, but it seems unlikely that oneself can compete with them even for your own use cases

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