Local RAG for a personal second brain: embedder and hybrid retrieval picks in 2026?

A user is building a local RAG setup for personal notes, prioritizing privacy with no hosted APIs. The stack includes SQLite, sqlite-vec, FTS5, and Ollama on Apple Silicon. They are seeking advice on embedder choices, specifically comparing "nomic-embed-text" with "qwen3-embedding:0.6b" or "embeddinggemma" for English personal-notes retrieval. The user questions if the embedder choice significantly impacts performance for approximately 50k chunks and asks for suggestions on their current setup.