1. Start with simple, readily available tools.
2. If you outgrow those: Buy an off-the-shelf product.
3. If you also outgrow those, only then consider building your own solution.
If it's not a key differentiator for your business then you're probably better off with not overthinking it and going for the simple, boring but adequate solution.
Full disclosure: I used to work at HubSpot on the product team, but I didn't work on the CRM. In fact, I kind of built a competitive product to the HubSpot CRM internally for awhile, so wouldn't say it was good unless it really was.
I think their premise is that CRMs are a commodity and all the value is in upselling the type of features that they charge for. So making sure the baseline CRM is very good drives sales for that. Either way, it's a decent product.
There are key areas that are missing basic functionality (EG: being able to see a list of deals that haven't been contacted recently) and if I could turn back time, I would not have made the decision to move to Hubspot.