You are in danger. Unless you estimate the odds of a breakthrough at <5%, or you already have enough money to retire, or you expect that AI will usher in enough prosperity that your job will be irrelevant, it is straight-up irresponsible to forgo making a contingency plan.
A few lessons learned:
1. small models like the new qwen3.5:9b can be fantastic for local tool use, information extraction, and many other embedded applications.
2. For coding tools, just use Google Antigravity and gemini-cli, or, Anthropic Claude, or...
Now to be clear, I have spent perhaps 100 hours in the last year configuring local models for coding using Emacs, Claude Code (configured for local), etc. However, I am retired and this time was a lot of fun for me: lot's of efforts trying to maximize local only results. I don't recommend it for others.
I do recommend getting very good at using embedded local models in small practical applications. Sweet spot.
Everything worked fine on GPT but Qwen as often as not preferred to pretend to call a tool and not actually call it. After much aggravation I wound up just setting my bot / llama swap to use gpt for chat and only load up qwen when someone posts an image and just process / respond to the image with qwen and pop back over to gpt when the next chat comes in.