I'm going to write about my own experience starting a B2C SaaS.

I think it is much easier to build something complex in a short amount of time now than before. For example, you can use something like modal.com and have a very powerfull AI backend very fast, and you only pay when your services are active so you don't need to have deep pockets at the start. It was much harder (and expensive) just a couple of years ago.

On the other hand, this means there are much more people building things now than before, so it's much harder to stand out.

But the most important thing, I think, has always been your personal situation: do you have the luxury to dedicate your time to something that might not even work out in the end?