... Hop you are being a little zealous
I don't think zealous is the proper description; just practical.
The question seems to be: is a carbide drill bit necessary for drilling PCB holes, or will high speed steel (HSS) bits work just fine, cost a little, do a lot, and last a long time? It has been my experience that HSS drill bits are totally inadequate and a waste of money for drilling accurate holes in copper-clad fiberglass (FR4) printed circuit boards. Your mileage (or kilometers) may differ.
That said, I haven't actually had to make a PCB or drill holes in same since about 1978, switching to commercial products about then, although I am thinking of taking it up again in retirement for quick turnaround hobby prototyping. It is hard to beat the price and delivery of commercial PCB manufacturers though, even for onesie-twosie quantities. And double-sided boards with plated-through holes and gold-over-nickel-plated edge contacts are pretty much out of the question for the hobbyist.
Perhaps HSS drill bits, especially those with titanium nitride (TiN) or titanium aluminum nitride (TiAlN) thin-film coatings, now rival carbide bits. The lab where I worked until retirement coats aluminum die-casting mold core pins with these coatings to prevent molten aluminum from sticking to the steel core pins. If that happens, it's a real bitch kitty to get the die set open and the stuck pin removed. Our coating more than doubles the life of the core pin and saves a lot of expensive down-time if the core pins are replaced on a regular basis before the coating fails.
Applying the thin-film coating, which is only a few micrometers thick, is an expensive process involving radiant heat, a vacuum chamber, a filtered cathodic arc, and various reactive gases in a proprietary recipe. It would increase the cost of an HSS drill bit by at least a factor of ten for our TiN or TiAlN coatings, and by at least a factor of one hundred for more exotic thin films involving hafnium compounds. I don't know what process is used to produced commercial drill bits with so-called TiN coatings, but I have not found any that hold up as well as the coatings we produced on a small scale for an automobile engine manufacturer. But then, commercial TiN coated drill bits only cost about five times as much as a common HSS drill bit. You pays your money and you makes your choices. I will continue to purchase and use carbide drill bits for PCB holes.