All your tools. All your data. No reach.
On your own machine the assistant has everything it's good at — your desktop, your file browser, your code editor. But it's also sitting on top of every private file you own. And the moment it builds something real — a web app, a store — it's trapped behind your home network: firewalls, NAT and router configs keep the site pinned to localhost, where no customer will ever reach it. To put a single page online, you end up renting a VPS anyway.
Whatever it builds is stuck on localhost — you're buying a VPS regardless.