I'm not to concerned about the cost right now since I'm focused on learning this stuff. that said I've stayed away from the agent stuff that seems to cost $100+ a day because I still don't know what I'm doing :)
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I feel you. I guess I am still farther away then you are. I am doing the same, learning. I am using llms at work, but not yet at home. There I want a bit more privacy, but local models did not act good enough so far.