I watch wallyworld for their HUGE dremel multi-tool pack on sale its like 1 foot tall has a bunch of common tools and quick changers. Then just get what you need in the future you`ll figure it out.

The fiber cutters are nice but a bit pricey, I've cut 3/16" too, but I don't use it as my primary cutting tool.. only for hard to reach spots or when I can't use other tools because of fire hazards, vibration concerns, etc.

Martin - My dad got some sharpening adapter for his dremel and uses it to sharpen his garden tools, seems to work for him.