There's a place for cheaper home owner level tools. In most cases that tool is going to lay on a bench in a box or bag until it's needed probably less than a couple times a month. HF and Ryobi fit that knitch just fine. My SIL has a half dozen or so Ryobi tools and a tool guy would call her a criminal for how she treats them. They are stored in drywall, sander, and saw dust filled bags. They're absolutely filthy but they work every time one is pulled out, and that's ultimately what you want. The professional based tools are in a knitch unto them selves and unless you have deep pockets or the "have the I to have the best" attitude are unneeded by most homeowners. I think it's also silly to judge a craftsman by the quality or brand of his tools. It's his skill with those tools that counts.
Some people coddle their tools, some abuse them, we are in agreement what you want is something that works when you need it.
I take better care of my stuff than you are describing but I'm not going to use a Qtip with any kind of regularity.
We are in full agreement - I never judge a craftsman or mechanic by their tools, but solely by their work and time it takes to do that work. A japanese craftsman with a beat up chisel could run circles around me.
PRICE-
The price discussion is interesting in that I don't see enough of a difference in the big 5 to make price a huge factor if you buy them cleverly in advance of need. How and where you buy them makes a huge difference in what you pay.
If you just waltz into a big box store needing to walk out with X - yes you are going to find price differences.
If you walk into a mom and pop Makita store - the owner there will show you the smart way to buy what you want (if you arent a tool yourself)
Example - I walked in after my sander purchase and told my man Tony I needed a dust vac. - to which his reply was - no you need a mitre saw. I laughed and told him to put the pipe down and he showed me the deal of the month which was a dust vac, 2 batteries, and a mitre saw - for the price of the dust vac and one battery.
Same conversation earlier when I was picking up a circular saw and had two batteries on the counter - Tony said put that back and go grab a leaf blower. huh? Leaf blower had 4 " free" 5AH batteries for the price of the leaf blower stand alone.
Of the 25 batteries or so I have I only bought 4 a- la carte. The rest came with package deals.