CROSS-CATEGORY: The Build-vs-Buy Flip — Retool's 35% Replacement Data, SaaStr's $257 AI VPs, and OnlyCFO's Churn Warning Converge

Retool·high signal

Three independent data points converge on the same thesis this week: Retool's report shows 35% of enterprises already replaced SaaS (78% plan more), SaaStr demonstrates two AI VPs running for $257/month that killed a $4K SaaS app in 60 minutes, and OnlyCFO warns that resulting churn will break SaaS unit economics at current CAC payback periods. The structural shift is no longer theoretical — the replacement is happening, the economics favor it, and the incumbent math doesn't work once retention assumptions collapse. This is the single most important cross-category signal in SaaS disruption right now.