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When Not to Fine-Tune: A Practical Architecture Decision Guide

A framework to decide between prompting, retrieval, and fine-tuning based on latency, governance requirements, and cost constraints.

StrategyCostModeling

Most teams overestimate the value of fine-tuning for business workflows that are primarily context-completeness problems.

Before model training, evaluate whether retrieval quality, process constraints, and response validation can solve the core reliability issue.

Fine-tuning is justified when failure patterns are stable and cannot be addressed through instruction, retrieval, or orchestration layers.