While I agree with Mike, I think everybody has their own idea of what is a "fine tool" and at least to me, it matters a lot how much you use it and for what. I have no desire for a Hilti or other really good hammer drill, for instance. My HF gets grease on my hands but it makes good holes, also hammers things apart just fine, and doesn't get used much. I'm sure there are nicer ones but I don't think I could tell much difference and I am sure the results would be the same. I also have a cheap angle grinder that I bought to cut up tile over 10 years ago and it keeps working. I don't think a name brand angle grinder would be enough nicer to matter to me. And it is not a frequently used tool.
I was surprised by my Fein multi-tool, however. I also have a HF and a cordless Ryobi and they get used occasionally but the Fein is smoother and cuts faster so it gets the most use. I used it for the first time to sand some clapboards my Bosch sander couldn't reach and it was good at that too. My Bosch 1250 DEVS is also a recent addition and is my favorite sander. A Festool for twice or three times as much might be nicer but the Bosch is the nicest I've used. I have an old DeWalt 6 inch that is probably going on Craigs list. No comparison to the Bosch.
I have a couple junk routers I never should have purchased too. Sanders wear out, at least in my shop, but get used enough a cheap one wouldn't make sense to me. Routers spin scary fast and cheap ones have poor collets that let router bits move and ruin good wood. So better ones (I have two PC690s and a Bosch colt which see regular use) makes sense. I have a Milwaukee circular saw that I got after I ruined a cheap WEN cutting concrete with it. It's a pretty nice tool but I use it less and less since I got my DeWalt track saw. I used to have a junk saber saw that would barely cut. I got rid of it after getting a Bosch. The difference in cutting speed was so great I just didn't use the cheap saw.
I hate spending more on a tool to find no better performance more than I hate trading from a cheap tool to a more expensive one - because the cheap one doesn't work very well. So I tend to creep up. Possibly not the best path but I just am not going to ever buy Festool everything. There are more expensive brands than Festool too. You said "fine tools" which I agree with but it is a bit hard to define. The few Festool tools I have used definitely had advantages. But the cost differential is just too great for me to justify.
I haven't gotten seriously into hand tools yet but I notice there is a similarly large range of prices and presumably performance on those too.