When is the right time to run specialists?

Well the 1000 cost is painful, I have to admit. That suggests maybe late-game merchants make more sense.

Is late-game the only factor? Or is it only late game because you want to wait until you have closed out the Commerce tree? Also, it seems to me that GM go up in return value for each one used. If any of these are correct, GMs remain relatively weak, even late game (until/unless relevant SP unlocked).
 
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