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It's true that they cost more later in the game but you will usually swin in money by then anyway.
I did discover some down sides:
- as mentioned, even early and cheap, it still costs money you may not have
- yes you get total control of factory sizing, but statement of the obvious, you do miss out on the automatic aspect of factory sizing. So it forces you to micromanage a bit more.
- if you think "I don't want to micromanage, I have money to burn, so I'll just buy it, ramp it to level 5, and forget it" well that's fine, but the unintended immediate consequence = that factory suddenly will want a torrent of input goods, that you likely weren't supplying before. Even if you don't have a buyer for those goods, that factory will still go into overdrive mode trying to fill up its suddenly-larger internal storage bins. Example, I frequently put sawmills in as a 40k factory, and I totally shot myself in the foot by ramping that sawmill to level 5. The factory went from wanting about 3 wagons/week of lumber to over 15, and that quantity just totally overwhelmed my supply warehouse setup. I traffic jammed myself into next year trying to ramp it up to feed that warehouse, and totally broke my lovely warehouse city-growth setup, which normally will reliably take 3x or 4x cities to double-growth all the way to 100k without even hiccuping.
If you don't have a need to control the factory or resource site and it is not part of a task list you might find the cost difference of now/later not that much.
In other games like RT3 (and prior), you could make a fortune by controlling a product stack (ex: wood, plants, furniture, etc). Heck, you could even buy a few industry at the start, wait a couple of months and you ended up with more money then when you started!
But later millions don't matter. Buy then you are making it faster than you can spend it. So money doesn't matter. You are making almost 500K a click of game play. So a 2 million coal mine is like 4 seconds of letting the game run. So what.
I laugh when guys spend 30 minutes building track so it doesn't have a bridge or tunnel costing 1 million when they have 20+ million in the bank. Build the track you'll get the money back in no time running the train(s).
Sure in the beginning you don't have the money you build them to save. But later on, why? Build it and move on. The cost easily get refunding running the train(s).
I do frequently build a new Industry in a newly available Slot after a City grows to 40k (and 90k) to make sure that the local Investors do not build the wrong Industry there, that I want to produce the right goods for my planned expansion of my rail network. Otherwise, they usually build the "wrong" Industry most of the time. Sometimes you need a particular Industry in a particular City to satisfy Task goals.
I love to build a Clothing Industry in the same City that already has a Cloth(Fabic) Industry, for instance.
I did try playing a Balkans Scenario using the Lady as my character, and did buy and build a lot of Industries, but it was a lot longer to finish the Scenario, but it was a much richer and productive Railway.
Buying an idle Resource site or Industry, can lower the price a lot, before you connect it to your rail network.
The same for Resource Sites.