Anytime you want reassurance - hire someone to do these things …The amount of money I've saved by making tool purchases vs hiring someone has more than likely covered the cost of them by quite a bit, especially since buying the house in 2001. DIY oil changes and basic maintenance on vehicles (since 2001), demo of an old shed and hauling it to the dump, demo of a bathroom down to the studs...these alone probably cover the costs of tools.
I have bought tools, that I "might " need.Collecting, in this context, is when you buy tools that you have no intention of using. I have bought a lot of tools. Every one of them was intended to help me do work. They are bought to be used.