I am also willing to overpay to not be reliant on cloud things, to have control of local hardware.
My biggest problem with buying a Mac Studio is that even in the case of the M5 Max models, I can’t think of any non-AI macOS applications in my creative life that have anywhere near that level of hardware requirements, and nor can I forecast that I would within its ordinary supported lifespan as a macOS machine. These machines left high-end stills and most video work behind generations ago, for example.
So while I would like a local machine that I can leave running in a way that I wouldn’t want to do with my old secondhand M1 Max laptop, it’s going to have to be something a little more pragmatic. Probably based around the Radeon R9700, since the AMD/Nvidia gap for LLMs is beginning to close, and even a single R9700 runs the main models I am interested in at speeds that are acceptably faster than what I have here.
I think the best move right now is to just wait a couple of years. There is room for the prices to drop dramatically. Buying the highest spec mac at the peak prices probably isn't a financially sensible move.