I agree, it seems like fine-tuning the massive open source models is better than buying small niche models. Curating the dataset is also a non-trivial amount of work that has to be customised per client. However with further adoption of AI into new markets new clients may emerge.
Is it possible to automate this by getting all of your browser/PC/mobile history? E.g. if you are accessing a browser from home/work, then you can assume they are doing certain tasks.
If you're waiting for a bus/driving, then you can pick up GPS data to assume that you are going on holiday, or commuting, or going to gf/bf house, etc.
You can even loosely guess showers and cooking times if you add your bank account expenditures in. How much money spent at supermarket could correlate to time spent cooking food. Or, water bill cost with amount of time spent showering. In this way, through a process of deduction your life can also be kept track of, and in the long term, you can train an AI to do your actions for you :p