Now, of course, it is in question as to whether my little graphics card can reasonably compare to a bigger cloud thing (and for me presently a very genuine question) but that really should be the gold standard here.
Like when someone sends me a message, I made something that categorises it for urgency. If I'd use cloud it means they get a copy of all those messages. But locally there's no issue and complexity wise it's pretty low for an LLM.
Things like research jobs I do do in cloud, but they don't really contain any personal content, they just research using sources they already have access to anyway. Same with programming, there's nothing really sensitive in there.