If you use the APIs then they give you a bonus of free API calls each month, then you pay a very low rate each month. Even creating local chat vector embedding

If you use the APIs then they give you a bonus of free API calls each month, then you pay a very low rate each month. Even creating local chat vector embeddings data stores on my laptop for a lot of PDFs in my personal research library and PDFs for the books I have written, I spend an incredibly small amount of money each month on the APIs - probably average $4/month because of the free monthly bonus API calls. I used to think that Google Colab Pro for $10/month was my best deal for getting stuff done, but now that award goes to OpenAI. Using the Hugging Face APIs is similarly inexpensive and convenient. (Although I usually self host Hugging Face LLMs.) This tech is incredibly inexpensive to use on personal projects.