Not many existing models will do it or do it well.

> when you can do the fine tuning directly on the phone

Well you'd need millions of on/off nude samples to start with, so I don't think that's likely. And that's assuming we get a billionfold increase in mobile CPU performance or a billionfold decrease in fine tuning compute requirements.

You're reaching for things that, if they happen, are a decade or more out. It's ok to solve today's problems today. Perfect is the enemy of good.