There's no excuse to not have a drill or impact set. They're so cheap, the cheapest Dewalt drill and impact combo can be purchased for under $200 on sale here. I think you can get the impact, one battery and a charger for even less. I have that set and rarely use the drill so I would loan that out.
Saws are different, sawzalls are ubiquitous so I would tell someone to just buy a cheap one. Skillsaws are a bit different because rough use by a neophyte can bend the table especially on saws that have alloy tables. I would really have issues with letting someone borrow a chop or table saw, they are expensive and getting distorted in the wrong place can ruin them like a skillsaw.
My dad has an ancient Makita mitre saw, and an old non-worm drive skill saw. Those are the loaners as they are dated and weigh enough to discourage people wanting to use them unless they have to. The Makita has a cast iron table.
My rationale for DIY is that you can spend the money that you save on the tools to do the job. However, if you are a pro usually you can get away with lending out your extra tools.