Also, you would own a chisel and the chisel does not spy on you. The "AI" factories are owned by oligopolies and you have to pay a steep monthly fee in order to continue receiving your warez that are derivative works of actually creative people's IP. Also, the "AI" factories know everything you do and ask and what kind of code you write.
Plus, as other commenters have pointed out already, you can run this stuff entirely free from risk of an AI company spying on what you are doing. The models that run locally got really good in the past 12 months, and if they don't work on your own machine you can rent a capable cloud GPU machine for a few bucks an hour.