The models run on the GPU, so the amount of RAM isn't really important here. What matters is how much VRAM you have. Also, the process isn't to try and make one shot programs using the model to make all the decisions. You lay out how you want to structure things, make a plan, and then have the model implement it incrementally and refine the result. It also helps to break down the problem into small tasks since that helps control the context.
With 24GB VRAM you can only run really small models that aren't terribly capable. You could technically run Qwen3.8 27B at Q6_K, but that's a really tight fit meaning it's going to have a very small context. 32GB would a be a more comfortable fit there.
And yeah, Anthropic/OpenAI don't have a business model in my opinion, so it is only a matter of time till the bubble pops.