noticed that most of the current Windows releases don’t have the AI tool working. i also noted that it’s currently in the latest photoshop beta version (25.0). are there any cracks that contain the AI tool?
You'll want a PC capable of running Stable Diffusion, yeah.
The tradeoff is Adobe servers running it with their limitations or you running it locally, the former is possible but requires a lot more workarounds than just having a version of photoshop that supports plugins you want.