"spending another $10K to make them even 10% more productive is a bargain."

$200K is not a good benchmark for what companies spend.

Median salary in the US is about $50K [1]

Average overhead per/employee is 18-26% [2]

So a $10K spend for 10% increase in productivity on someone earning about $60K ... is not a bargain.

But there's a problem with this, because SaaS can be

1) Individual productivity 2) Operational productivity 3) Product spending (i.e. like GMaps integration as a feature in your product)

So 1/2 and 3 represent a very different type of calculus to the point wherein that kind of spending should definitely fall into different buckets for accounting.

[1] https://www.thebalancecareers.com/average-salary-information...

[2] https://beebole.com/blog/how-to-calculate-the-real-cost-of-a...