I always thought the custom cut out foam drawer inserts were a rip off. For my current tool box, I bought the anti-fatigue foam mats from Harbor Freight and cut them out myself with a razor and dremel. For a prior tool box, I used a yoga/exercise mat.
For the tools themselves, I personally have a mix of just about every major tool manufacture. Honestly, Icon from Harbor Freight will be “good enough” for 95% of all the jobs you’ll do. Their ratchets are actually really good, on par or better than a lot of offerings from the new Craftsman and Snap On. And yes, Snap On now makes a lot of junk. Their older stuff (30+ years) will be top notch. But anything from the last decade will be a crap shoot. The YouTube channel Project Farm does a LOT of comparison testing, is informative, and is usually a lot of fun to watch.
The best advice I could give as a 27 year wrench bender with a military background is to start small and basic, and then buy what you need as you realize you need it. You will still end up with a couple drawers full of tools that only get used maybe once or twice a year, if that. But for the tools you use everyday, you will want to find the ones that fit YOU best and are most comfortable and reliable for YOU.