Questions for people who have a code completion workflow using local LLMs

I've been using cloud AI services for the last two years - public APIs, code completion, etc. I need to update my computer, and I'm consider a loaded Macbook Pro since you can run 7B local models on the max 64GB/128GB configurations.

Because my current machines are older, I haven't run any models locally at all. The idea of integrating local code completion into VSCode and Xcode is very appealing especially since I sometimes work with sensitive data, but I haven't seen many opinions on whether there are real gains to be had here. It's a pain to select/edit snippets of code to make them safe to send to a temporary GPT chat, but maybe it is still more efficient than whatever I can run locally?

For AI projects, I mostly work with the OpenAI API. I could run GPT-OSS, but there's so much difference between different models in the public API, that I'm concerned any work I do locally with GPT-OSS won't translate back to the public models.