That's the setup you want for serious work yes, so probably $60kish all-in(?). Which is a big chunk of money for an individual, but potentially quite reasonable for a company. Being able to get effectively _frontier-level local performance_ for that money was completely unthinkable so far. Correct me if I'm wrong, but I think Deepseek R1 hardware requirements were far costlier on release, and it had a much bigger gap to market lead than Kimi K2.5. If this trend continues the big 3 are absolutely finished when it comes to enterprise and they'll only have consumer left. Altman and Amodei will be praying to the gods that China doesn't keep this rate of performance/$ improvement up while also releasing all as open weights.
I'm not so sure on that... even if one $60k machine can handle the load of 5 developers at a time, you're still looking at 5 years of service to recoup $200/mo/dev and that doesn't even consider other improvements to hardware or the models service providers offer over that same period of time.
I'd probably rather save the capex, and use the rented service until something much more compelling comes along.
(At todays ram prices upgrading to that for me would pay for a _lot_ of tokens...)