A startup with a limited budget and a small engineering team needs to develop an automated system for real-time toxic comment detection on its platform. The primary goals are high accuracy, low latency for immediate flagging, and minimal operational costs. The team has collected and manually labeled a dataset of 100,000 comments as either 'toxic' or 'not toxic'.

Evaluate the two proposed solutions below and recommend the most suitable approach for the startup. Justify your decision by comparing the potential trade-offs of each option in the context of the company's specific constraints and goals.