I'd rather buy (if it's actually some semblance of ownership) a very good app made by people who spend their time keeping it good, then attempt to think I'm the best one to make all of my software. If it's a subscription for something that's not necessarily great and it can be remade cheaply and maintained with low overhead, then the answer is clearer.

I see people vibing out markdown apps like they take their morning shit, while I just paid Bear a small amount of money and have gleefully used it every day for 10 years, and I hope to continue to use it for at least the next 5.

Part of maturity for me over the years has been picking my battles carefully and reducing the things I feel I need to be opinionated about or responsible for. Not every piece of software needs to be perfectly customizable for my workflow or the fastest or embody some esoteric philosophical ideal. Being forced to do anything is a rarity unless your job requires you to use SharePoint or Notion or whatever