I think you need cloud & AI (or an on prem, very beefy server) to effectively help a person with a passive mind map curate the huge amount of web text you've downloaded in the past n minutes or months or ever.
Microsoft is way ahead of this.
Discussion
Sure, yea. Personal, private cloud. Personal, private AI. On prem or off, makes no difference to the software. Sounds good 🤗
Microsoft may be way ahead, but it is contra their business plan and profit model to allow you to have perfect data privacy, ability to self-host, and ease of exit. So they will always offer an inferior product (for those who care about these features)