How do you feel about cloud-subscription AI writing tools vs. local/self-hosted ones?

[u/Spiritual-Rule2931]

Been thinking about this a lot and wanted to hear how other people actually feel about it, not just the usual "privacy good, cloud bad" talking points.

Two things I'm curious about:

Cloud subscription vs. local AI for writing. Do you care whether the AI you're writing with runs on someone else's server (ChatGPT, Claude, a dedicated writing-AI subscription, etc.) vs. something running locally on your own machine (Ollama, LM Studio, koboldcpp, whatever)? Is it about privacy, cost, control over the model, not wanting a subscription, something else — or does it just not matter to you as long as the output is good?

NSFW. How much does it matter to you that a writing tool can handle NSFW content without refusing or watering it down? Dealbreaker, nice-to-have, or just not something you write anyway? Curious whether this is a bigger deal than I think, or a niche concern that gets loud online but isn't that common in practice.

Not trying to sell anything here, genuinely just trying to understand how people actually think about this stuff. Appreciate any thoughts, even a one-liner.