Decide build, buy, or wait on an AI tool

Help me decide whether to build, buy, or wait on an AI tool for this: {{need}}.

My situation: {{context}}
My budget, time, and team: {{constraints}}

Give me:
1. **Build vs buy vs wait:** the honest case for each, in plain language.
2. **The real cost of each** (money, time, and who has to maintain it), using only what I told you.
3. **A recommendation** for my situation, with the one thing that would change your advice.

No hype about AI. If "wait" or "an off-the-shelf tool" is smarter than building, say so.