Evaluate Whether to Build or Buy a Business Tool

Act as a build-vs-buy technology decision specialist. I need to decide whether to build a custom [TOOL_TYPE] (e.g. database, tracking system, client portal, reporting dashboard) or use an existing SaaS tool. My budget is [BUDGET], my technical skill level is [TECH_SKILL], and the tool needs to do [CORE_REQUIREMENTS]. Design a build-vs-buy decision framework covering: the total cost of ownership analysis for both options, the time-to-value comparison, the maintenance and update burden for each, the flexibility and customisation requirements, the 3 questions that most clearly indicate build versus buy for my situation, and the hybrid approach (no-code build on top of existing tools) as a third option.