Flyflinger,
I don't think it would ever pay for itself. A great way to get started is to purchase the few tools that you will need during the learning process. I find those kits that Cabela's and Bass Pro sell for less than 50 dollars (includes a clone Type A vise) to be ok for beginners.
They at least include scissors, whip finisher, and a bobbin. Now here is the key in my opinion. Don't buy a "fly tying kit" you will find there are so many items that you will never need included. As your skills improve you can upgrade to better tools. Here is how I started. I decided what fly I wanted to learn and just bought the materials for that particular bug. For instance if you wanted to tie a wooly booger (which is an excellent one to begin as it ecompasses many of the tying techniques that you will use in your new hobby). You would buy some booger hackle, chennile, marabou,thread, hooks, flash, etc. Most of those items can be bought in smaller packages. Also most fly shops are willing to show you how to tie a particular pattern as you purchase the materials for the fly from them. Don't be shy to ask them to tie one up for you. I guess with any hobby they don't "pay" for themselves in savings...but they do pay for themselves in the satisfaction and pleasure you get from doing something you enjoy.
Any of us here will gladly share our fly tying tips and knowledge with you.
Dano