Should large family on a budget go for the Tour M or stay with the regular Ertiga?

Being a commercial vehicle in the first place, the Maruti Tour M has nevertheless found some budget conscious large families attracted to its lower price than the regular Ertiga. This has led to debates about whether using a commercial variant for personal use is a good idea. One the one hand, Tour M comes with the same basics space and functionality as the Ertiga, but for a more affordable price. But it may not have all the comfort features and refinements that make the Ertiga so popular among family buyers. There are other issues, like how using a commercial model will impact considerations like insurance costs and registration, and also social perceptions. A common discussion that comes up around this question is the trade off between cost savings and comfort, and more broadly, what are the implications of using vehicles outside of the market segment that they were built for.