Cant imagine trying to build a machine for it now, I was lucky and did a new build in 2022-2023, 4070 ti super 16gb for about £700, m.2 drives for £30-50. I think in total I spent £1,220 if I tried to do that same build now, looking at my build on pc part picker it says £3350.
I was still running some smaller LLMs and even image gen on my old gtx 1080 that was 8gb. I would rather put that money to the side and save up for better components than using it to pay for AI, that’s just me though. Most of the stuff I wanted to play around with and do ive manged to do so ive never really thought about paying for it. Ive done inpainting to photos, trained a model on a person and made a image model that just generates images of that person, cloned voice, done text to speech, moved onto image to video then text to video, then added cloned voice to the video gen, then made a chat model with a tts using the cloned voice then tied image gen to it and it could do image gen for me too.
Also im currently making characters and world lore sheets in silly tavern, that does so much to help with guiding things, you dont need a super complex model I dont think just some good character building.