The case for personal: An example SaaS today has 50 features. I need about 6 features, 2 of those features are not in the 50 features that the SaaS offer or they are locked behind an Enterprise plan. I don’t have time to scout around for alternatives. I also don’t want my data to be locked into the SaaS vendor. Vibe coding my own tool will probably take 1 day. It’s pretty simple math.