See this is what I suggest most of the time!

My first startup that I built and sold had 0 test written, but I knew on spot what I'm giving up for what. I always say that last line of yours:

Making "the chance to do it right with cheaper money." rather than a whole team to re-do everything from scratch or break down already running product.

Sort of goes back to your point with cost of capital, indeed.

Thanks, good points :)!