The decision between fine-tuning and retrieval reduces to one question: is the gap knowledge or behaviour? If the model lacks information, retrieval supplies it and can be updated by editing a document. If the model has the information but responds in the wrong shape, fine-tuning is the correct tool. Using fine-tuning to memorise facts produces a system where correcting a price means retraining a model.
For behaviour and format tasks, far less data is needed than teams expect — a few hundred high-quality, internally consistent examples routinely outperform thousands of mediocre ones, because contradictory examples teach the model to be inconsistent. In practice the dataset curation is the project; the training run is the easy part.