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Yeah, I know because I tried to build my own RAG system and it was kinda difficult to get it working well. It's a bit more complex than simply downloading something from HuggingFace and hitting play. And then I realized that OpenAI has a tool for this already, and realized I was wasting my time trying to build my own.
Building your own might be something you only do if you want to keep your documents and interactions with the AI private.