To me, what's not rational is believing you must rent the tools of your trade while exposing all of your employer's intellectual property to a third party. Difference of opinion.
Yes. Llama.cpp + Qwen3.6-35b (MTP) + OpenCode is quite capable and runs on a single RTX 3090 and is faster than most cloud models. Quality is like running edge models from 8-12 months ago. Setup details at https://github.com/pierotofy/LocalCodingLLM/