If you've never coded or used Python before, yeah, go with OpenAI. Otherwise, generating embeddings with SentenceBERT takes 5 minutes. And from my personal exp

If you've never coded or used Python before, yeah, go with OpenAI. Otherwise, generating embeddings with SentenceBERT takes 5 minutes. And from my personal experience Ada embeddings are not the best. They are large (makes aproximate searching harder), are distributed weirdly, and zimply put, other embeddings give better results for retrieval. Another advantage is that you are not an OA's whim: they just announced the deprecation of some previous model. What are you going to do when they will deprecate Ada v2 and you've built a huge system on top of it? You'll have to regenerate embeddings and hope everything still works just as well.