Honestly I doubt it's worth it, hence my suggestion to make a "cold" estimation of both options.

Well it's not exactly a guide and honestly it's quite outdated (because I stop keeping track as I just don't get the quality of results I hope for versus huge trade offs that aren't worth it for me) but I listed plenty of models and software solutions for self-hosting, at home or in the cloud at https://fabien.benetou.fr/Content/SelfHostingArtificialIntel...

Feels free to check it out and if there is something I can clarify, happy to try.