*$1000? $14,000? Who knows but everything in the middle there has been claimed.
So, even though there are more models to run locally that can be useful for the stuff I do, it makes less sense now to do so than it did when I got it. There are more extremely cheap options, now, and it seems likely to continue to get cheaper and better and faster, while my local hardware will always be slow and hot and only gets better via software (which has roughly doubled the speed it can run stuff since I got it, but it seems like there's less room for improvement in software now, and even at twice the speed, it still kinda sucks to use local models interactively especially on the Strix Halo).
The cost of online services is also largely a result of the cost of training (though hard to say exactly what that number is). Assuming you are using open weight models at home, you aren't paying for the training - someone else is.
OpenRouter prices are somewhat simmilar to Antrhopic/OpenAI API prices. So I conclude that the hardware plus operating margin alone can genuinely produce prices way above what you'd pay if you had a subscription. Of course the primary unkown factor is average token use per subscription. Without that it's all wild speculation.