When you start to have spreadsheets that require even a moderate level of analysis, tooling and refactoring then you need to move to a real programming language and environment where you get the benefits of a development eco system that establish application integrity (i.e. user access control & applied methodologies).

I've been involved in projects where companies create these MOASS apps[1] and no spreadsheet or spreadsheet tooling will solve these problems. You may not spend the 'X' months and 'X" dollars to develop the app, but your spreadsheet app will produce incorrect results often and more easily, which will cost you more in the long run (forget the fact that employees will leave which only compounds the problem).