Entry level serious hardware starts at 100k, and a bit better but still almost-useful grade is 200k (8x rtx pro, plus a nice epyc pairing). Thats the sort of thing a salaried expert lets their employer buy them for sort of serious work.
Anything really serious is well north of 1M - not including the housing and commercial grade mains connection. And at best that buys fast Kimi K3 or GLM.
These models are not 'barely capable', they're contemporary near frontier.