The decision is rarely about capability. Most off-the-shelf tools can do the visible part of the work; the question is what happens around it — where the data lives, what the price looks like at ten times today's volume, and how much of your process you are willing to reshape to match someone else's product.

Price the gap, not the product

Compare the subscription against the whole cost of the alternative: build, integration, and the operating cost of keeping it alive. Then do the same comparison at the volume you expect in a year. Task-based pricing that looks trivial at 500 runs a month behaves very differently at 50,000, and that single line moves more decisions than feature lists do.

The reverse trap is just as common: building a bespoke system for a workflow three vendors already solve well. If the process is ordinary and you are not competing on it, configuration is the cheaper answer and the honest recommendation.

The hybrid is usually the real answer

In practice most teams end up with both — a product for the commodity part, custom workflow for the connective tissue and the judgment steps a vendor cannot know about. Deciding which half is which is what an audit is for, and it is a cheaper decision to make before the first subscription than after the second year of it.