First of all, I played a lot with local models, also trained my own model and generated many free images, which work "ok". But locally its more effort, more difficult and also image generation is slow (Geforce 4060). But thats normal, you need high end hardware to be faster. Also you don't have the same (but also very good) quality like some online models (but thats get better each week).

So I gave PhotoGPT a try. And overall summary:
It's not much better in case of quality, like anything you can do locally for free. Most of the time you can have the same results locally. But, and thats why I give 3 stars, its much more easy and faster. But to be a good product (there are tons of others in this niche), the quailty must be improved.

Some good things:
1) very easy to use, everybody could use it in seconds
2) nice UI
3) can generate really nice images with your face, some of them can look nearly exactly like you (but you need to generate a few for best results)
4) really nice presets, which can give you many ideas

Some bad things:
1) Many times, when the AI puts my head on a body, my head is much larger and it looks weird. I never had this when playing with open source models.
2) My age is 40, which I put into the model, but I don't have a ton of wrinkles yet. The AI actually added many wrinkles to many of the outputs, making me look much older (50+). Also if you force the output, to be close to original (which in most cases doesn't make much difference at all). I also never had this with other models.
3) There is no way to ask the AI to touch up the photos.
4) When it comes to the body, you should not expect it to be close to your real body. Sometimes the AI makes you really really skinny. It should not only use your face, also your body. At least a bit more than now.
5) When it comes to tattoos, it's totally over... it detects them, but give you some random ones, also on places, where you don't have. So better to avoid that, by telling the AI not to use tattoos, but this way, it't not you sometimes. But thats a problem of all current AI models.
6) On many presets you have the typical "eary" AI image look, like plastic or 3D Render. This has nothing to do with "photo".
7) Sometimes the generated person is totally different. It's not even kind of close to your trained model. For example, you generate 4 pictures with "dating" preset, 2 of them it's not your face, 1 other is ok, and the last one your head is much bigger. If I use my model, which was trained on 18 high quality and good images, I expect more. Its totally fine, that not all images are good and usable, but they should respect the given model.
8) The upscaler is really bad, it makes you images worse most of the time. It looks like its not a real upscaller, because your images often look different and not upscalled.

So 3 of 5 tacos. I would say it's 3.5
But quality needs to be improved.
I generated like 50 images so far, but only like 5-6 are good and usable (at least from my quality expectations). So keep that in mind.