Is Magento Open Source enough or do I need Adobe Commerce for B2B in the US?

For most US B2B stores under $5M revenue, Magento Open Source + Hyvä + a few B2B extensions works fine. You add: customer-specific catalogs (Mageplaza / Amasty), quote-request flows, Net-30 payment, ACH gateway. Total: $50-100/yr in extension licences. Adobe Commerce ($22k+/yr licence) makes sense when you need: shared catalogs across companies, requisition lists, multi-tier corporate accounts (parent / child orgs), built-in quote workflow with seller approval, and page builder / live search / product recommendations AI features. We’ll write a candid recommendation in the audit, usually against Adobe Commerce unless you’re >$10M.