Path
a) Full migration to Dynamics 365 Online
Microsoft’s recommended path
Effort
Very highRisk
Mediumbut well-trodden
Cost
High capex, lower run-cost long-term; BTC3 30% discount available 1 Jan 2026 – 31 Dec 2027
Disruption
6–18 months of programme work; data, customisations, integrations, training, change freezes
When it makes sense
You were going to migrate within 18 months anyway, customisations are tractable, and the business case clears procurement before mid-2026.