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Whatever you do, don't buy an Nvidia GPU right now | Digital Trends
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Only slightly related question: is there such a thing as an external nVidia GPU for AI models? I know I can rent cloud GPUs but I am wondering if long-term something like an external GPU might be worth it.
A 3090 (used) is the best bang for your buck for any LLM / StableDiffusion work right now. I've seen external GPU enclosures, though they probably cost as much as slapping a used 3090 into a barebones rig and running it headless in a closet.
Generally speaking, buying outright is always cheaper than renting, because you can always continue to run the device potentially for years, or sell it to reclaim some capital.