Update ai-tools.md

docs/other/ai-tools.md

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 # AI tools
+> Using AI to generate commit messages
+
+## ChatGPT-based extensions
 
 Search for "gpt commit" in the extensions marketplace and you'll see plenty of extensions that use GPT to write your commit message.
 
 e.g. [GPT Commit](https://marketplace.visualstudio.com/items?itemName=DmytroBaida.gpt-commit)
 
 If done well, this could be even more flexible and natural than this Auto Commit Msg which has no AI (but at least handles basic messages for a variety of cases based on the paths of the files that changed rather than the contents).
 
-Downsides:
+### Downsides
 
 - There's a time delay.
 - Requires network access.
-- You need to a ChatGPT API key for a premium subscription.
+- You need to a ChatGPT API key and to pay for a premium subscription.
 - Limited acccuracy - I don't know if GPT is powerful enough to figure out the context of what you are doing and intend to write based on a diff only, as some of the reasoning for a change won't be covered by code itself but by real world events and requirements. You can pass more unchanged files from you codebase in an extension to the AI but this costs more money and won't always help.
+
+## Local LLMs
+
+To get around the limitations of the above, especially for private codebases, you could use a locally run LLM (like Ollama) instead of ChatGPT. Perhaps there are extensions which support this.