Sometimes I wonder if I should only write a test when something unexpected happens (e.g. user has a bug report) instead of wasting time writing tests on the front end for core features and obvious edge cases.
I mostly work on scientific software, btw.
As this complex product evolved at rapid pace - one of the key differentiating factors of this product and others were time to market and product reliability - benefit reaped was many folds from test suite. Many LOB directors realised that efficiency of our platform had to do with test suites. If I've to run a successful company - I would heavily rely on such a test suite.
Having said that - its hard to write detailed TDD in early stage startups. I didn't write TDD at my last startup work but I had a swiss-army-script to test. In this case, reliability of software is on a developer who developed it. But once a component is proven and it goes as core software of your startup - it should be baked with test suite.