You'd need real rack-scale/datacenter infrastructure to properly match the hosted models that are keeping everything in fast VRAM at all times, and then you only get reasonable utilization on that by serving requests from many users. The ~100X slower tier is totally okay for experimentation and non-conversational use cases (including some that are more agentic-like!), and you'd reach ~10X (quite usable for conversation) by running something like a good homelab.