Top Mac (M3/M4 series) vs. Online AI Generators
If you consider Mac Studio (M3 Ultra) or the future M4 series for AI generation, their performance is indeed strong, but they are still not as good as NVIDIA RTX GPUs in the field of AI generated images, because Apple GPUs do not support CUDA, and most AI models (such as Stable Diffusion, Llama) are still mainly optimized for NVIDIA's architecture.
Mac Studio (M3 Ultra or future M4)

Pros:
High performance: M3 Ultra (76-core GPU) has good speed within the Apple ecosystem and is suitable for ordinary AI tasks.
Local AI: Supports Core ML + Metal to run Stable Diffusion, but not as fast as RTX 4090.
Energy-saving and low noise: quieter than traditional PC workstations.

Cons:
No support for CUDA, resulting in slower AI generation and incompatibility of some models/plugins.
Limited VRAM: Even though the M3 Ultra is powerful, its 128GB unified memory is still not as AI-friendly as the RTX 4090's 24GB dedicated VRAM.
Expensive: Much more expensive than a PC with the same performance.
Online AI generators (Midjourney, DALL·E, Leonardo, Runway)

Pros:
Zero hardware investment, suitable for beginners or lightweight work.
Excellent pre-trained models (Midjourney, DALL·E strong stylization).
No technical experience required, directly generate with the web interface.

Cons:
Not customizable, can't train your own style model (such as LoRA, DreamBooth).
High generation cost, long-term use is more expensive than buying a GPU (high-quality models require subscription).
Limited by the platform, such as Midjourney can't adjust seed parameters, DALL·E generation quality is limited.
The best choice depends on your needs

If you are a professional designer who wants to customize AI generation and do large-scale creation
➡ It is recommended to buy an RTX 4090-level PC, or rent a cloud GPU (RunPod/Vast.AI). The AI generation efficiency of the Mac ecosystem is still not fast enough, and the RTX 4090 is far ahead.

If you are an ordinary user who only does occasional AI generation
➡ Online AI generators + Mac are a good choice, such as Midjourney, DALL·E, Leonardo. You don’t need to invest in hardware, suitable for non-technical users.

If you must use a Mac and want to run local AI
➡ M3 Ultra is the best Mac solution at present, but the AI generation speed is still inferior to RTX 4090. You can use **Stable Diffusion WebUI (Core ML version)** or Diffusers, but it is not suitable for efficient professional creation.
Conclusion
Top-end Mac models (such as the M3 Ultra) are suitable for general AI tasks, but not for high-end AI-generated images.
If AI generation is your core business, it is recommended to choose an RTX 4090-class PC or cloud GPU.
Online AI generators are suitable for entry-level or non-technical users, but have limited customization capabilities and may cost more than the hardware.