Exactly this.
Ultimately, the tools I try out are the ones that don't make me involve other people in it, whether to inform or to get approval. This is extremely important at the beginning - particularly when I don't know the tool beforehand, so testing it is a bet.
Thus, extrapolating from my experience, I'd consider the main problem with paid tooling is that it usually requires getting other people in the loop. Even if it's sold in a way where you could use your personal paid license at work, that fact is very often unclear from the license text - unclear enough that you probably don't want the risk of procurement/legal disagreeing with your assessment.
(If we're talking SaaS/anything with on-line components, there's no way I'm touching this on my own - I have enough headache with exports control around remote work, I'm not going to risk anything I do be considered technology transfer.)
I feel I'm not atypical with this - I suspect developers in general have an opposite relationship with software licensing to that of their employer. For a company, OSS is random, unpredictable - while commercial licensing is safe, because there's a contract and a way to sue someone. For a developer, OSS is easy to understood, zero risk, no need to involve other people - while commercial is completely arbitrary, every piece of software has a different license, and thus it's very strongly preferred to involve management/procurement/legal in this, because you don't want the liability on your shoulders.