Maybe not '0 investment and 0 commitment', but incredibly little depending on what you have laying around. It takes less than 5 minutes to download say LM Studio and an Open Model and as long as you have the hardware to support it, you start moving along. If you are on AMD in some ways it's even 'easier', you can download Lemonade and it will tell you exactly what will fit and best options based on what you are trying to do.

For me at least the local AI stuff, powered with solar has been pretty great. Would that scale to a large business? Goodness no, but for my tinkering and learning, it works great.