Carbide easier to chip if material nasty or you are a bit rough but in general it can cut at 3x the speed of hss.
Hss better for mild steel at least as far as final finish goes. The softer materials like that. Better for nylon too and if you cat aluminium use a bit of crack or kero and has does well.
Dont believe it's better than carbide on brass. It's all about the rake.
Dont be frightened of aliexpress tool holders but if you are that worried put good tips in there.
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