Wildly understating this part.
Even the best local models (ones you run on beefy 128GB+ RAM machines) get nowhere close to the sheer intelligence of Claude/Gemini/Codex. At worst these models will move you backwards and just increase the amount of work Claude has to do when your limits reset.
Are there a lot of options how "how far" do you quantize? How much VRAM does it take to get the 92-95% you are speaking of?