I totally agree that you don't have to spend a lot of money on tools . . . unless you WANT to. It's the difference between "need" and "want" and that is a very personal choice. When I started tying with a Thompson AA, it worked fine . . . held my hooks solidly and the trout seemed to like my results! But it was a tad hard to adjust and when I could afford to I upgraded to a Renzetti Traveler. I certainly didn't need to, but I wanted to!
My guess is that we all started as inexpensively as we could, not knowing if we would like tying. Once we found we enjoyed it some of us upgraded as our financial situation changed.
Financially we are all at different places and tying has different levels of importance to each of us.
But I do still get enjoyment from finding a "make-do" home hack!! And there are some great ones here! But don't feel guilty if you decide to purchase a more expensive tool if you can afford it and it gives you joy.
Just my opinion.