🏗️ Architecture Debate: Monolith Agent vs. Router/Specialist Swarm for Complex SaaS?

Hi everyone,

I am building a production-ready SaaS for vehicle damage appraisals (B2B). The system needs to be "bulletproof" as I plan to scale this to multiple clients.

The Workflow is complex:

Data Collection: gathering 80+ fields (dynamic logic based on private/company, owner/driver status).
Document Handling: Requesting specific docs, OCR analysis, and validation.
Support: Answering FAQs from a Knowledge Base.
Scheduling: Booking appointments.

I am currently debating the smartest architecture to ensure reliability and context retention.

The Options I'm considering:

Option A: The "God Agent" (Monolith) One single Agent (GPT-4o) with a massive system prompt handling everything.
Option B: Router + Specialists (The Swarm) A fast/cheap Prequalifier/Router (e.g., gpt-4o-mini) classifying the intent, then routing to:

My Question: For a high-stakes SaaS where data integrity is key: Is the complexity of orchestrating multiple agents worth it? Or is a single, well-prompted GPT-4o robust enough to handle context switching without breaking the flow?

Would love to hear your experiences with production apps!

Thanks! 🚀

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