Plugins run the gamut from 100% done to just getting started.
The point is to offer a range of functions from basic to custom.
Choose a built-in function now and a plugin to grow in the future.
Keep all your data, yourself, in anticipation of your future needs.
Meet future needs by extension, and not from scratch.
Meet specific needs by customization, with power and depth.
Plugins provide a reliable and fast path, to grow when you need.