I'm definitely with George on this one, and is the way I personally operate.
I have a rule in my shop, if it can't be bought or I can make a much more accurate bit of tooling, I would make it, but if the tool is cheaper than the time it takes me to make, and I charge myself, at this time 15 UK pounds per hour (just over 20 bucks), then I buy it.
So say to make the tool would take me 4 hours, then that would add up to 60 pounds + material costs, if the cost was only 30 pounds + postage retail, then I would buy it.
It all depends on how you spend your free time, how much time you have available to yourself plus how much you value it.
It is always a personal choice, and only yourself can guide yourself.
John