I have been doing a little hobby coding since late last year with various local models as well as ChatGPT, Claude, Gemini, etc. and I have found that local models almost never meet the performance of the major online providers. Finally I gave up and just went for the Github Copilot subscription.
I am tempted to say that Microsoft is pushing Copilot too hard with its integration into VS Code (my favorite IDE), but I have to admit that I never got around to trying to enable a local agent in Code because the local agents I was using weren't up to the task.
Just recently, I used Copilot to create a quick demo of a classic Snake browser game. I could probably cook all this up pretty quick myself since I have been using OpenGL since the 90s, but I wanted to see how quickly I could get Copilot to do the same thing. The result: in about three hours, if memory serves, I had a 3d snake game in my browser. Pretty awesome.
Would I be able to do the same thing if I hadn't been a c/c++ slave from the day? I don't think so. IMO, the AI is more likely to be helpful than harmful for people who can already code, but noobs beware.