The actual best image AI, midjourney, is probably a gigantic model under the hood, that takes 8 A100s to run (Aka more than 100GB VRAM). That's why their quality is leaps and bounds above stable diffusion XL, its because the model size simply allows for it.
Model sizes continuously grow to exploit the available hardware to the limit. Midjourney and GPT-4 have both proven that model quality is decisive to success and paying customers, so consumer hardware can never catchup to whatever Nvidia sells to the cloud.