Systemic treatment is considered when disease is extensive, when it has failed adequate topical and phototherapy trials, when it is disabling out of proportion to its area — palms and soles are the classic example — or when there is psoriatic arthritis, because joints do not respond to anything applied to skin.
That last point deserves emphasis. Joint damage in psoriatic arthritis is irreversible, and the window in which treatment prevents it is early. A patient with joint symptoms is not someone to try another cream on.
The trade is real and it is discussed openly: these drugs suppress immune function and require monitoring. For the right patient the balance is strongly favourable. For someone with mild, limited disease it is not, and the honest answer is to stay on the lower rungs.