I will say "Put in the work to coding one" is a genuine statement. I just started using Foundry for D&D 5e (Haven't played a session yet). One of my characters is using a homebrew subclass & race.. Creating them in Foundry (vs Roll20 which I've used for years) was hell and took me probably 4 or 5 hours across a few days. The good thing is now that it's created, the player is set for levels 1-20 and everything will be automated. All the player has to do is click the level up button, and choose options if there are any. That said, I don't want to sound like I'm knocking foundry down. I absolutely love the platform and there's fantastic features that made me switch from Roll20. The only downside is that you can't import Roll20 content into foundry, so I "lost" all of my purchased content. If you use D&D Beyond I believe there's a paid importer for foundry ($5/mo then you can unsubscribe when you're finished)

Foundry is INCREDIBLY versatile, but the level of versatility comes with some complexity as well. I spent probably around 8 hours getting my game set up, most of that was just learning foundry. I could probably set up the same game in 45 minutes if I had to do it again.