It looks like what I was referring to is that they recently made the initial controller setup on the cloudkey require a cloud account [1], but you can migrate to local only after the initial setup.
So the only remaining 'local only' from start to finish is for self-hosted I guess.
I have a cloud key gen2 plus and do not have a UI.com account. I would classify getting the network controller setup without having one initially "mildly annoying but worth it".
I'm also floored at the number of people who are spinning the existence of a self-hosted controller as somehow a bad thing...?
So the only remaining 'local only' from start to finish is for self-hosted I guess.
[1] - https://www.youtube.com/watch?v=gNkXAe0aOAg