In fact I have 9 bikes in my garage, but only one of them gets serious mileage; CrossCheck is used for daily commuting, recreational rides, errands, light trails, etc. Couple hundred miles of rougher trails on the mtb per year, and all the rest of the bikes are wife and boys, also only ~100mi/year. Not enough to wear out chains.

So it's a matter of opinion when "it pays to have the right tool". I'm a super cheapskate, and two screwdrivers and pliers is good enough for me, that I would never spend $14 (or $10 I've seen similar tools on eBay). I do agree, there are many situations where "the right tool" is worth the price (a quality pedal wrench would be an example for me), but we all draw the line in different places there.