This goes beyond tools but I've had to get in the habit of writing on a wall calendar when I expect to have something returned. And if I haven't gotten it back then I ask for it back.

So often I've forgotten that I've loaned something and whoever I loaned it to has forgotten they borrowed it and it is just sitting around somewhere.

I'm less likely to lend a power tool and won't lend anything with a blade because in my experience others -- including treasured friends -- don't take as good a care of my things as I do.

And I have not been a perfect borrower. I, too, have forgotten that I've borrowed something.