I mostly agree, but it's more appropriate to weigh contributions against an FTE's output rather than their input. If I have a $10m/yr feature I'm fleshing out now and a few more lined up afterward, it's often not worth the time to properly handle any minor $300k/yr boondoggle. It's only worth comparing to an FTE's fully loaded cost when you're actually able to hire to fix it, and that's trickier since it takes time away from the core team producing those actually valuable features and tends to result in slower progress from large-team overhead even after onboarding. Plus, even if you could hire to fix it, wouldn't you want them to work on those more valuable features first?