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I think we're all past the "bet-money-can-buy" stage. The most expensive models are an order of magnitude more expensive than the middle ground ones, so you need to be selective about what you run where.

And with a bit of careful routing - there isn't a lot stopping you sending the hard stuff to a cloud model and the average stuff to an on prem model.

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Only people who do pay-per-use optimize this. Most heavy users have their use covered by an employer.
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I have my use covered by my employer but we also have budgets and limits.
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