That said, I also think that public reviews will start getting recalibrated by the users themselves. People will start noticing that programs are unreliable or lack features which are seemingly simple to implement with an LLM. The quality of an app may very well depend on how hard it is to replicate, otherwise, why not ship your own?
If you already have engineers on staff, a few tens (or even hundreds) of dollars per month per plugin is likely a rounding error budget-wise. If you don't have your own engineers, you're probably not going to be able to produce something as good (reliable, well thought out, etc) as a commercial offering.
I had the same gut reaction as you, but the reality is much more subtle. We work with several clients who are bought into at least one of these ecosystems, and there's no way the math ever works out in favor of building an in-house solution.