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What (generative) AI tools are actually useful, and potentially worth paying for?

There are so many out there, with varying benefits, risks, and ethics. I'd like to know what to recommend when asked, and also what I could use for myself.

Some areas that could be good for discussion:

  • Locally hosted models (both for low and high powered devices)
  • Open source models (also calling out "open source" models that aren't actually open source)
  • Privacy friendly tools/frontends (ex. DuckDuckGo's AI chat for anonymous use of some "free" models)
  • Unified interfaces for multiple models, or 'pay as you go' platforms instead of paying for individual subscriptions
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