Better ship modeling comes from skill and experience.
I think that the key factor is having the desire and determination to produce an objectively excellent product.
The barriers that you envision are mostly overcome by the investment of time in developing skills and time spent reading the maps of technique provided by those who have already traveled the same path.
The "metal working" part is a bit perplexing. Most serious metal working involves the process of making new machines - at least that is my observation as regards wooden ships.
There are third party suppliers of wood. Or - for years I got by using a Craftsman 7.5" portable tablesaw and a hollow ground blade. The waste is much higher and requires at the least a homemade thickness sander as a project. For the small scale - again - much waste and a lot of jury rigging, but - TEMU, HF, AliExpress, et al. sell low cost, inaccurate, frustrating quality small tablesaws. They are not the best, or probably not even good, but they are better than nothing. With their use, you will soon get a precise idea about what you do want if and when an opportunity and budget allows.
A lot of the crowing and cheering and enthusiasm about new and or expensive machines is coming from those who had been fighting with absolute crap machines for years. It is the joy of an innocent prisoner being released back into the world.