Heh, you shouldn’t be paying for LLMs. Gemini 2.5 Pro is free, and so are a bunch of great API models. ChatGPT kinda sucks these days (depending on the content).
I have technical reasons for running local models (instant cached responses, constrained grammar, logprob output, finetuning), and I can help you set that up if you want, but TBH I am not going into a long technical proof of why that’s advantageous unless you really want to try this all yourself.