I feel like this really depends on what hardware you have access too. What are you interested in doing?How long are you willing to wait for it to generate, and how good do you want it to be?
You can pull off like 0.5 word per second of one of the mistral models on the CPU with 32GB of RAM. The stabediffusion image models work okay with like 8-16GB of vram.
Borg append only seems like the way to do this easily