The verdict
If you want a conventional ticketing system that you grow into, with fields, SLAs, phone support and a big integration marketplace, pick Freshdesk. If your question mix is simple, your help content is good, and you want the AI agent to resolve a share of conversations from day one, pick Intercom.
Cost shape matters. Intercom charges per seat, and Fin is billed by resolved outcome on top. That is harder to forecast than seats alone. Whichever you choose, start with a narrow set of questions, read what the AI answered, and widen it only when the quality holds. The vendors' AI figures are marketing numbers, so measure your own.