What LU Cloud is, and what you need
LU Cloud is the LU studio running in a browser tab. The models run on managed GPUs, so the machine in front of you only has to render a web page: a phone reaches the same catalog as a tower with a big graphics card. You need a browser and an account. There is nothing to install and no hardware to buy.
The catalog is the same on every plan and on every credit pack: 47 chat models, 7 image models and 5 video models. Paying more buys a bigger credit budget to spend on that list, never a longer list.
To run models on your own machine instead, the desktop app is the route. It is free, needs no account for local use, and installs from the download page on Windows and Linux. There is no Mac build, so on a Mac the browser is the way to use LU.