I pretty much agree on software. The Vectric stuff is good. It's designed primarily for woodworkers and majors on the features you want and use and leaves out most of the stuff that complicates things and that you never use. But - it costs. Well worth it if you are a professional for the time-saving but for a hobby user? How deep is your pocket? I use Vcarve but mainly because I bought it years ago when I had a project deadline and couldn't get any free software to do the job. These days, I also use Fusion 360 which is a full-featured 3D CAD package designed for professional use. However, it also includes toolpath generation (CAM) which is pretty powerful. There is a slightly cut-down version that is free for home use. It's over the top for simpler woodworking jobs and a lot of people struggle to learn it but it's free and it works! There are other choices but those are two that I know well and use myself. No idea what Carveco is/does so can't give you a comparison.

In the past I have bought cutters from cncshop.com but haven't needed to top up for a while. Happy with what I have bought but can't say if they are the best and/or cheapest - I find that there is always someone else who has found a better bargain!