$10K should be enough to pay for a 512GB RAM machine which in combination with partial SSD offload for the remaining memory requirements should be able to run SOTA models like DS4-Pro or Kimi 2.6 at workable speed. It depends whether MoE weights have enough locality over time that the SSD offload part is ultimately a minor factor.

(If you are willing to let the machine work mostly overnight/unattended, with only incidental and sporadic human intervention, you could even decrease that memory requirement a bit.)