Kagi has AI tools but they don’t shove it down your throat. I don’t understand what “all in on AI” means in this context. The company has said that they want to use AI like they use JavaScript, ie they want to use it as a tool but their product should work well without it.

Thanks to facial recognition. Your expensive spying device is just what collects the data to drive the algorithm.

No, but you do have to make enough to convince the bank to loan you the money to buy it. Houses in major cities cost WAY more than $170k.