The build-vs-buy question for AI tools specifically is harder than it used to be for regular software, because the AI tooling market is moving fast enough that today's gap in an off-the-shelf product might close in six months — or might not, if your need is genuinely specific to your business.
Buying the wrong off-the-shelf tool means paying for a platform that almost fits, then spending real time on workarounds for the 20% that doesn't — and often discovering that 20% was actually the important part.
Building when you should have bought means spending real money on custom development for a problem a $50/month SaaS tool already solved well, which is an expensive way to learn that lesson.