This is where the analogy breaks down, but they'd likely download a free one made by a consortium of other carpenters, which can be customized to their needs
> I do pay for tools that I need.
As have I: I was paying JetBrains yearly until they published plans to brick my IDE if I dared stopped sending them money. They walked this back after an uproar - but that episode showed me that I was also playing in their sandbox and subject to their every whim. I now default to using tools that can be forked at a moments notice (by myself or others)
Also, JetBrains IDEs were far ahead of the competition back then. For the tech stack and codebases I now work on (or perhaps additional experience?), none of the JetBrains IDEs are worth the effort. vim and a handful of plugins & scripts are adequate 95% of the times, VSCode takes me up to 98%, and it's diminishing returns beyond that
I'm not writing my own IDE or my own database. I can, and I have, in times past. I do pay for tools that I need.