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Anyone doing it with a "rent a GPU over the network" path? Is that at all cost effective for any use case?

Local? No. Via opencode Go subscription using GLM mainly? Yes, I still use Gemini/Claude/GPT via api from openrouter for adjacent tasks, I would say 20$ per month max in api token costs.

Disclaimer: I am a Linux infra/k8s guy, I write production code but it's mainly glue code and mainly in golang.

Addendum: most value we get is from "document intelligence" and that's all Gemma and Qwen on H100/H200

Just attach OpenRouter to your coding agent tool and try yourself. All relevant open weight models are there. Every person have different needs and expectations