You make a good point. The cost balance may depend on your use case and size. I'm currently at a B2C company that sends hundreds of millions of transactional emails per month. We use Sendgrid. They provide basic open and click tracking, which is more information than our small team has the bandwidth to make use of at this point anyway.
If you're a B2B sending 10,000 emails per month with high potential value per interaction, integrating transactional and marketing mail and tracking email interactions with transactional mail on a granular level may be worth the additional cost.
And a large team may have use for more detailed data, or the capacity to build out reporting and integrations for themselves.
But super early stage, that's not the low hanging fruit you should be worried about.
And even if you end up using the same platform, for conceptual purposes, for compliance purposes, and for optimizing deliverability you'll want to consider marketing and transactional email separately.