Like lanwater, I will take on any project that challenges me. I’m not interested in ones that don’t make me stretch.
I often have a large project and a smaller one or two on the go. Large being months, small maybe days. Less than that I don’t think of as a project really.
I will occasionally buy (or build) a new tool for a project but I have most of what I need already.
I spend what it takes. I have been known to spend serious money on veneer.
I work with veneers a lot and have gone to Paris to get the pieces I needed.
I’m not a fan of plunge routers so much. I prefer to use fixed base routers for inlay sets. I like to use them in one hand, holding the barrel. None of my routers have handles.
Like Angellos, I would make my own patterns but I think your idea has merit as a way for beginners to get their feet wet in the field of decoration.
I do mostly more intricate marquetry now but a few years ago I did make a few pieces with the inlay bushing set.

The early bird gets the worm but its the second mouse that gets the cheese.