Good points. Works both ways though, you are splitting your time between two worlds, and don't have a fully clear view on the costs of bad choices on a small business

to know this you need to know what processes these businesses have been using for the past decade to run real full time business with full time staff. for example, you don't know just how bad the prior systems were, that the self built systems replaced.

with all due respect you don't have all the info to make the calculation on my world. just as I don't have it for yours.

the same tool that helped me build our systems, is not going to be the same tool that helps you maintain your large code base. But my point is, that I'm on the front line of change, and my guess is it's not going to be limited to my size of business. I don't know what your tool will look like, but I'd bet it's coming