You can definitely use a free tool and I feel that the free tool, meaning open source, actually gives you a higher realism than paid for standard services and tools like nano banana and Higgfield etc which are obviously censored.
I would definitely recommend Comfy UI and renting a GPU, for example, on RunPod, where you can pay per hour. a 3090 will be good enough, if your budget and speed alllow for it, rent a A100.
If you know how to use a coding agent, you can actually get a comfy UI template from somebody who's teaching it on YouTube or Reddit for free, get a bunch of free NSFW LoRa's from CivitAI, throw that into your coding agent, give the agent your API key for Runpod and have it configure the template to your needs.
You can then generate pretty much anything you want as long as you can describe it to the coding agent and it will build it for you and it will only cost you a few dollars per day.