My guess is that OS vendors are the real winners in the long run. If Siri/Goolge can access my stuff and core of LLMs is this replicable then I don't see anyone downloading any apps for their typical AI usage. Specially that users have to go out of their way to allow a 3rd party to access all their data.

This is why OpenAI is so deep in the product development phase right now. They have to become the OS to be successful but I don't see that happening