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So image generation is where it's at?
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No, you can run sd, flux based model inside the koboldcpp. You can try it out using the original koboldcpp in google colab. It loads gguf model. Related discussion on Reddit: https://www.reddit.com/r/StableDiffusion/comments/1gsdygl/koboldcpp_now_supports_generating_images_locally/
Edit: Sorry, I kinda missed the point, maybe I'm sleepy when writing that comment. Yeah, I agree that LLM need big memory to run which is one of it's downside. I remember someone doing comparison that API with token based pricing is cheaper that to run it locally. But, running image generation locally is cheaper than API with step+megapixel pricing.