My tool collection is pretty meager. A hacksaw works to
cut down PVC pipe. An electric hand drill and drill guide
can make straight pilot holes and a few hole saws mounted in
the drill chuck can do cutouts for up to 4" drivers. I also
own 4 clamps. :-)

The most versitile tool I got was a generic RotoZip
or 'spinsaw' ($30 on sale) which comes with an assortment of add-ons to cut larger circles (though sometimes not ver true), will
take 3/8 shank standard router bits to do various depth of
cut rabbets and chamfers for driver holes. I'd rather
have a good router though.

Add a few screw drivers and that's about it. Up til
recently I had an arrangement for a fellow whom I sold
a table saw to (an estate sale) to cut wood, but I have
lost communication w/him so I'm back to 1.) looking for a
new cutter or 2.) exploring the use of a sawboard (see
craftsmen section here.)

I am not a home owner. I'm 57 and live in a one bedroom
apt. So even if I could afford good tools I couldn't
use 'em.