Re: TIME
Playing with SD does indeed take up time - playing with Craiyon/DALL-E takes up an equal amount of time! Either you find image generators bleh or they'll sink their fingers into you.
However...
> to serve up the results he seeks
You haven't said whether or not he can get the results *he* seeks "out of the box" with any of the cloudy options (and is fiddling with SD just because he can) or whether he has done all he can do with "Prompt Engineering" and turned to something he *can* train and himself out of desperation. Has he spent those three weeks screaming at the Heavens and kicking the cat down the cobbles or has he had three weeks of geek-gasm, twiddling the knobs with manic glee?
> get a great output
Especially with image generation, one man's "great output" is another man's "If thine eye offends thee, tear it out".
> you'll get some modest results
Or some terrific results that more than meet your requirements.
> Either you jump in with both feet or you settle for almost worthless "results".
Sorry, but again, judged by what criteria? Are we talking about how the horse always seems to have an extra bit of leg and the astronaut is clearly not side saddle like you asked? And are the online systems doing it better for you?
> I decided it's probably not worth my limited time resources to continue the experiment
Again, same question to you: do you find that the cloudy options, including the paid-for (trading money for time) give you results that you can - and do - make use of?
> (tens of thousands out of hundreds of millions of computer owners) are bothering to experiment with the local-based AI
Aside from probably underestimating the number of computer owners in the world, how does that compare with the number bothering to experiment with the cloud-based AI (and more than just once or twice for a giggle, a quick post about how it changed their life and then going back to Love Island)?