1. the idea would be that now there is a reason to buy loads more RAM, whereas currently the market for 64GB is pretty niche
2. 64GB is a big laptop today, in a few years time that will be small. And LLaMA 65B int4 quantized should fit comfortably
4. LLMs will be a commodity. There will be a free one
6. LLMs seem to avoid the need for finetuning by virtue of their size - what we see now with the largest models is you just do prompt engineering. Making use of personal data is a case of Langchain + vectorstores (or however the future of that approach pans out)