Do you actually care how many tools are running behind your AI app?

Are you fine connecting separate tools for auth, payments, billing, taxes, and analytics? Or do you prefer one system handling most of it? Not just because setup takes time, but because every extra service means another dashboard, integration, and possible failure. Asking this cause I think builders should spend more time shipping the product, as long as the backend stays flexible and reliable. But this brings us to another question, when does convenience become lock-in?