If that happens you can still buy hardware later with almost certainly more (tok/s)/$ and better capabilities to run newer models more efficiently (remember native MXFP4?). Right now basically every generation of accelerator is adding new capabilities. These aren't yearly DirectX 9.0c-compatible GPU performance bumps.
As an individual, for average privacy needs (e.g. open source or at-home coding and automation), it's pretty much complete nonsense financially to self-host LLMs currently or select hardware now based on the capability to do so, and pay thousands of bucks extra.
As an individual, for average privacy needs (e.g. open source or at-home coding and automation), it's pretty much complete nonsense financially to self-host LLMs currently or select hardware now based on the capability to do so, and pay thousands of bucks extra.