Start with the PBX you have. If it is under vendor support and a named person patches it, trunks let you keep using it. If it is near the end of support or nobody maintains it, a cloud PBX hands that work to the provider.
Then compare peak calls with headcount. In the example above, 8 peak calls across 20 users put three of the four trunk totals below both seat prices, before any PBX costs. That gap closes in an office where most people are on the phone at once.
Look at how remote staff reach the system today. If the PBX already serves them through its own softphone or remote extensions, trunks change nothing for them. If they forward calls to cell phones, a cloud seat with an app is the shorter path.
Count the admin hours you have each month, because trunks leave the dial plan, the security settings and the failover plan with you. Then total both sides. Add PBX licenses, support and endpoints to the trunk quote, and add any tier upgrade to the seat quote.
Picking a model doesn't have to mean picking a different carrier. Atlantech's business phone page says customers can connect to its cloud PBX or, with their own PBX, take service over SIP, PRI or analog lines. Its UCaaS page also describes SIP trunking that extends its softphone to users on an existing PBX. That gives a business a staged route: add softphones for remote staff now and replace the hardware later. The route depends on the PBX working with Atlantech's voice switch, so test that before you sign. Atlantech publishes starting prices for hosted seats and quotes its trunk pricing.
Either model needs a plan for the location sent with a 911 call, for desk phones and for remote users, and what Enhanced 911 requires covers that. A support team that handles calls and chat should look at unified queues for phone and web chat alongside the phone-system choice.