About the tools. Yes, if someone were to buy all at once it would be very expensive. I have been building kits since my first 1/2 A control line 50 years ago and on and off ever since. Most of that time I didn't have extra money and was able to get by with what I had on hand. (Early on, my mothers sewing pins, single edge razor blades, clothes pins and rubber bands instead of clamps, etc.)
In fact when Monocote first came out I gave my wife an excuse to buy a new clothes iron after I got adhesive on hers ironing covering. (plus I got to keep her old iron for my airplanes)
It was also a very rewarding in my early modeling years to be able to use what I had on hand, rather than a specialized tool, and make it work just as well.
The building is the thing. If you love to build you can find a way to make it work. I also love to sand and used to use a block of wood with regular sandpaper. I now have power sanders, fancy sanding blocks and Dremels, but I still find myself grabbing a block of wood and wrapping sandpaper around it every now and then.

I’m not saying hobby tools are not necessary. After years of collecting it is great to come to a point where I need something special and know I have it------- somewhere in my shop.
If you know you will be in the hobby a while, just buy one tool at a time each time you order and pretty soon you will have what you need without a large one time expense.

Over the years my income improved and I finally have a pretty good collection of hobby tools, but they came slow. It was only the last couple of years that I bought a Hinge cutting tool. (Xacto blades served well for years.) and have only this year bought the Dead Center Hole Locator after getting by for years with a pencil to mark the motor mount.

Special tools do make building faster and easier, (The Center Hole Locator is a keeper) but I build because that is half the fun of the hobby. Enjoy it while it’s happening.
If I am in a hurry to get to the other half, Flying, I will buy an ARF.

There are fewer and fewer builders in the hobby today. If you are starting out and want to build, cherish every part of it, even sanding and installing hinges (My least favorite)
Use what tools you have until you can buy what you want. and if you absolutely need some tool you can’t afford or can’t find a substitute for, then someone in the club will surely have one to loan.

Like someone said, what if you do have a crease or a goof somewhere on your plane? When you take it out and see it in the air for the first time you can be proud that up there flying is something that just a few months ago was only sticks and balsa sheets in a box and that you made it happen. It may not be the best looking plane on the field, but keep building and one day you may have the best looking one.
But be proud that here is something you saw come together piece by piece and You made it work.

As Forest Gump once said, That’s all I have to say about that.
now everyone else can say, "Thank God"