In my opinion, what we actually have to compare against is the $20 subscription compared to what using Claude or ChatGPT is like with the free plan.
If I use Claude free it cuts me off from using it for hours after a very small number of questions being asked, and it can’t be hooked up to a coding system at all (no Claude code CLI or VSCode extension).
So when I dropped a $500 GPU into my gaming server in my closet, I’m breaking even compared to the $20/month Claude subscription in 2 years (and my GPU already appreciated in value since I bought it).
I can send as many queries as I want in any way I want, including custom applications that would have normally been billed at API token rates.
On top of that, all my data is kept private to my server.
(I’m not counting electricity because my server was already on serving all my self-hosted apps, so a significant amount of electricity is only being added to the load when I’m actively asking questions)