We’ve had this discussion for other versions of SharePoint so I am interested to see if it’s changed now a coupe of years have passed. Do you develop with SharePoint on a desktop / laptops or are you using a VM in the Azure? If you are using a physical machine what spec are you running?
I do the same as Steve. I have a Developer VM that matches as close as possible to Production. I’ve even Scripted the entire provisioning process so I can easily tear down and rebuild.