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> My naive assumption is that they're going to do what everyone is doing: make tooling that lets you swap in any model.

They are a ways away from that for Siri, as they can't guarantee third party tooling meets their security and privacy requirements. Meeting those security and privacy requirements also makes it harder for a third party to monetize their investment or ongoing use of infrastructure.

But I suspect you will see integration in other areas, such as image generation.

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I'm a bit lost, since you didn't answer directly. Are you saying Apples privacy/security requirements are the "disadvantage" you were talking about?
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