As someone once said, Open Source Software is only free if your time has no value. Which is an exaggeration and hyperbole, but carries a kernel of truth; after all, if you go down the OSS route, you will sooner or later find yourself in a position where the product you're using has some form of limitation that requires you to do a workaround (either in code or in your usage), thus costing time.
Now, I am not saying that closed source commercial products are all that different in that regard for private users, but in a commercial environment, where you are usually not just buying software but also support contracts for that software, you are in a different position to the developers. That is, you can go to them and say "We need this feature added to the product, please implement it or we switch to a different product and cancel our contracts with you", which when dealing with the open source community simply does not work.