For all my daily use + Codex Desktop and some local AIs in Ollama/LM Studio (which power my Home Assistant Voice Assistants) I have an Mac Studio M4 Max with 48GB of RAM (Which I bought early last year IIRC)
It's a complete beast and runs GPT-OSS 20B at over 100 tok/sec. The GUI never slows down, and I run Sequoia still, so it is always smooth and polished. I've also never heard the fans.
I got mine for $2250 USD because I am eligible for the student discount. I got the base 512GB SSD because I store most stuff on external SSDs/HDDs anyway.
Yeah I go back and forth using more or less sessions. Was always a fan of kanban, less WIP better, but some sessions are just slow so I end up starting new ones.