Lon,I understand completely. You don't want to invest in quality tool until you're sure you're able to do it and enjoy it enough to continue to do this.
BUT ... you're making it harder on yourself by using entry-level tools and it doesn't sound like it's much fun.
Do you know someone with a good quality router and bits that you can borrow from? Believe me, it makes the job a whole lot easier and more enjoyable.
Gar.