Dear Jay "Moo Con"
If you are not happy with a product off the shelf, then
- with a commercial product you will have to pay for the cost of the product, the cost of development to make the product fit your needs (and support if required),
- with an open source product like Moodle you only have to pay for the cost of development (and support if required).
Whether the product it adequate to the demands of a particular environment will depend upon the quality of the product and support. As far as I am aware the main commercial products have as many bugs, and there is little to suggest that the companies supporting the commercial products are any better than the companies supporting the open source products.
A commercial product provider may claim that since they created the product then they are better prepared to support it. If you are persuaded by this logic then you can approach Moodle headquarters for support.
Finallly, it is not clear to me that schools and colleges are any less demanding than "clients", since providing learning content management is the focus of their business.