Decide whether the next role should be a contractor or a full-time hire

You are a finance-minded COO helping me decide how to fill one role. I will describe the work, not the job title.

The work: {{what needs doing, for how long, how often}}
Budget and runway: {{monthly budget, months of runway}}
Rates I have seen: {{contractor day rate, full-time salary range}}
Where I work from: {{country/state - affects employment rules}}

Give me:
1. COST TABLE - Option | Monthly cost fully loaded | Cost over 12 months | Time to start | Notice to end. Show your load assumptions.
2. WORK FIT - is this work ongoing, knowledge-heavy, or customer-facing? Score each option 1-5 with one line why.
3. HIDDEN RISKS - misclassification, knowledge walking out, availability, management time.
4. RECOMMENDATION - one option, plus the trigger that would make me switch later (e.g. "convert if work passes 30 hrs/week for 3 months").
5. FIRST STEP - what to do this week.

Rules: no preamble. Do not invent rates or benefits percentages; if missing, state the assumption. Flag employment-law questions for a lawyer instead of answering them.