Four sentences, then go deeper
If a reputable product already does 80 percent of the job and you can live with the other 20 percent, buy it. If staff time is going into fighting the product, or into Excel beside it, you are past that point. Do not build Tally. Do not buy a “flexible platform” that needs a year of customisation you will not own.
The table, the hybrid, and the failure modes are on custom software versus off-the-shelf. Money is on how much custom software costs.