You can get some decent stuff for not much. Unfortunately harbor freight isn't what it used to be but its still OK for basic hand tools. Major stuff I'd rent. I threw all my stuff in a duffel bag when I lived in an apartment and it worked decent but digging for tools sucked lol.

Would be cool if there were groups for it to get people started off and save a little money without buying anything

True that, it costs hundreds of euros to get a full set of tools. It is really unfortunate, it depends on how much you are ready to spend up front.

Oil changes dont require a lot of tools. Most cars you'd get away with just a socket, a drain pan and a filter wrench. I'd be suprised if it took two oil changes to pay back what you spent on tools through the savings of doing it yourself.

If you can afford to drop a hundred bucks on a decent socket and spanner set, then there's even more savings to be had from doing your own brakes and basic part replacements