This sounds so familiar.I lasted 25 years with just a Dremel.I used to baulk at the tool prices as well.I think things changed for me when I started pushing the envelope kit bashing.Nearly everything I make I can do by hand,the biggest factor is time.When I started out I had plenty of time but little spare cash.Now I have more disposable income but less time.My attitude has changed a lot,if something will save me time,I will buy it(within reason),I may have to wait a little until I can afford it.From my experience this hobby became much more pleasurable with a little helping hand in the way of power tools.I have spent countless hours in the past cutting and shaping parts by hand and it can become a chore.Now I have moved to scratch building, the tools become more of a necessity if I wish to complete something in a realistic timeframe.Very glad I found this site not that long ago. I've been modelling for 25 years or so but have learnt so many little tricks just browsing around other peoples posts and logs. One thing that sticks out is how many use power tools. My tool kit only has a Dremel. I look at the prices of the power stuff and go hmmm, and buy another kit or a heap of wood or something. Might be time to change.