Of course this calculation depends on how bursty your compute requirements are and how much you pay for electricity (datacenter cards are more power efficient)
I guess if you're rolling your own compute clusters, you've probably rolled your own storage solution too?
So yeah, the huge gap ML capabilities between AMD and Nvidia are a selling point, but probably for a small enough group that it doesn't make a difference.
Using cloud services for work would mean using the exorbitantly expensive services from Azure, to say nothing of the painful and annoying experience that using Azure is at the best of times.
Instead, I can spend a moderate amount, build a machine that is more than adequate for work requirements will last ages, write it off on tax and still end up spending way less than I would have renting a cloud machine for a couple of months.
Are individuals buying graphics cards for ML? I would think that it makes more sense to provision scalable compute on a cloud-plaform on an on-demand basis than buy a graphics card with ML capabilities?