Work out what a general assistant already covers
ChatGPT drafts text, reads your files and, on paid plans, generates and edits images. A specialist earns its price when the job needs one of these: brand voice rules on every marketing draft (Jasper), corrections inside the apps people type in (Grammarly), voice cloning and dubbing (ElevenLabs), image and video generation with an editor (Midjourney), or avatar-presented video from a script (Synthesia). Otherwise, the assistant you already pay for may be enough.
Commercial licensing is the first question, not the last
Generated material you can't legally use is a liability. Start with commercial use: ElevenLabs' Free plan is non-commercial, and a company with more than $1 million a year in revenue must be on Midjourney Pro or Mega to own its images. Check privacy too, since Midjourney creations are public and remixable unless you're on Pro or Mega with Stealth Mode on. Then see who carries the legal risk. Synthesia's Customer Terms commit it to defend customers against third-party IP claims, while ElevenLabs' and Midjourney's terms have the customer indemnifying the vendor.
Price the allowance, not the plan
Grammarly and Jasper charge per seat, though Grammarly Pro still caps AI prompts at 2,000 per member a month. The other three sell an allowance: ElevenLabs credits (about one per character of speech), Midjourney Fast GPU hours (with unlimited Relax-mode images from Standard up) and Synthesia's 10 included minutes plus credits, about 100 per finished minute. At the limit, ElevenLabs stops until you buy a prepaid top-up, and Midjourney Basic users pay $4 per extra Fast hour. Price the plan that covers a month's output.
Budget for the human pass
None of these tools removes the review step. Grammarly's Terms give no warranty that AI output is factually accurate, ElevenLabs builds a pronunciation editor into Studio, and Midjourney's docs say text in images works best in the Latin alphabet. Plan time to check facts, listen through narration and choose usable images before publishing.