Every team building with AI hits the same wall: what do you own, what do you outsource, and how do you know the difference before it costs you 18 months and a rewrite? The answer looks completely different depending on where you sit. Infrastructure teams see it as a capacity and control problem. Enterprise leaders see it as a governance and risk problem. The people implementing it see it as both, plus everything nobody planned for. This panel brings together voices from all three layers to cut through the theory and get into where these decisions actually land, what creates long-term leverage, what becomes a maintenance burden, and what the vendors and integrators who've seen hundreds of these calls wish teams had asked earlier.