Polish enterprises in 2026 face a choice they are largely unprepared for: pick a frontier model and live with the cost and residency consequences, or build a stack around domestic models (Bielik, PLLuM) and live with the eval discipline that requires. This article maps the three-tier Polish stack (Bielik · PLLuM · Frontier), the 5-axis decision framework, the 5-step workload-specific eval methodology, the eval-driven routing architecture, PL-specific operational considerations (tokenisation, 7-case inflection, formality register, sector corpora, safety evals, data residency under DPA/GDPR/EU AI Act), 8 anti-patterns, and the 5-stage maturity ladder. Portable to NL, CZ, HU, KR, TH, VN ecosystems.