About 2/3 of software cost is typically maintenance, not original creation. If some RAD-ish tool makes maintenance more difficult, saving time up front doesn't mean a lot, other than maybe as practical prototyping. Maintenance costs include getting new staff familiar with a tool, and the turnover rate is typically around 4 years for developers. Self-taught programmers tend to produce spaghetti systems, in my experience. My first programs were spaghetti, I must say. I was an IT puppy. I short, consider the medium and long-term costs of RAD/code-free tools.