The most common and most likely answer to this crossword clue is the 4 plus 5 letter word TRUE WORTH
I've seen this crossword clue in The Guardian
T
R
U
E
W
O
R
T
H
Buddy explains!
The straight part
We know that "it might not be fully reflected in the cost" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case it might not be fully reflected in the cost = true worth.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.