AbbyR18

Well, you probably do not need ALL those tools at once! For years I only had a few: an Xacto knife, a modeling spoon with a stylus end, and a stitching chisel. As time went on, I started adding tools as I discovered I needed them for a certain project. I didn't buy them all at once. I only have one edge beveller (size 3), although they come in a variety of sizes. I can see where other sizes might be useful, but I can't justify the cost, choosing instead to spend the money on other things. 
And some tools I have never purchased. I don't have a camouflage stamp, for example -- I don't do Western style tooling, so I can't see where I would use it.
Some tools I use a lot (wing dividers, metal L-square ruler, different sizes and types of bevellers), and some (like the V-gouge) see less use. I haven't used my snap setters in years. Some tools I have stopped using (like the stitching groover -- I found it hard to control, and not necessary; I use wing dividers instead.) 

I only have one swivel knife, from Tandy. I have two different blades for it (an angled blade and a filigree blade). 
Others on the board have mentioned that after changing to a high quality knife (like the ones you mentioned), they could feel the difference.  They may be right, but I have no personal experience to add. Probably the best thing to do in this case is to find a chance to physically handle one of those nice swivel knives, and see if it makes a big enough difference to warrant the expense. 

I can say that sharpening and stropping do make a big difference. There are many threads discussing these two things-- how to sharpen a swivel knife well, how to make and use a strop, etc.  I found that before using my sharp tools (French skiver, swivel knife, etc), I should always check the sharpness, and re-sharpen as necessary. Then I have learned to strop (using a stropping board I got from Tandy but then modified into a 4-sided strop) while using the tool, whenever I feel the tool start to cut less cleanly than when I started. 

I have learned something from one of the frequent posters here, ImMikeToo, whose tooling and figure carving is jaw-droppingly good: cut less, bevel more.  In other words, reduce the pressure on the knife itself; don't make deep cuts exposing the leather's "core," but use the bevelling tool to open up the depth.
 

Thanks!