I think we are all cut from a similar cloth. Skill vs equipment thinking, and I have used not fit, used, bad clubs. They are bent for me at least. Hell the only thing I needed to be really good at wrestling was shoes.
I am learning this thinking is really holding me back. For starters all the wedges are worn and I am not going to go down this rabbit hole any, but all the good players I know, up to and including the tour, are VERY equipment conscious, and are fit for their clubs etc. I called the local guy does a full fitting for 240 dollars. And I have been to cheap for 20 years to pay it, but I want to play elite golf? My friend paid the 50 for driver fit, he said the low end ball speed was 140, and high end was 170, all equipment. I need to get fit, top to bottom and try to match that with what I can afford. Ymmv
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I'm a big believer in fitting... But I'm 6'5", 260#, and have a wrist-to-floor measurement of about 39.5" in golf shoes. From a "body scan" machine that my doctor's office has, my skeletal muscle mass is 20% higher than average for my height too, so although I need to lose weight I'll never be in "normal" BMI ranges with that muscle mass. I'm so far outside the norm that off-the-rack clubs are just horribly wrong for me.
So for someone like me, it's just flat impossible to have clubs without a fitting.
For someone of more average proportions and strength, though, it can still be quite important. How you swing, your tempo, your transition force, etc is individual. How you "feel" the club through the subconsciously changes the way you swing, too (for good or ill). So shaft weight, flex, EI profile, etc depends on personal factors that have very little to do with simple height, WTF measurement, and strength.
If what you have is right for you, you will swing naturally and freely. If what you have is wrong, your brain will be spending every swing trying to compensate for that because it doesn't feel right.
The one thing I will say, though, is that the quality of the fitting matters a great deal. Getting "fit" at a big box store is basically hot garbage, but getting "fit" by a mediocre professional fitter is not that much better. Spend your time and energy researching the fitters and get an idea from other golfers about who really knows what they're doing. Then, let the fitter know what you're looking for and not looking for. If you have a budget in mind, let them know so they don't try to fit you into a $400 aftermarket shaft for your driver, or bespoke irons. A good fitter will be able to work with the parameters you set.
One more thing--if you're paying 240 dollars flat fee for a full bag fitting, you're paying for the FITTING, not the clubs. That means that you DO NOT need to buy the clubs from that fitter [unless it's a specialty brand that only sells through fitters]. You may determine that you want to, because having a business relationship with a clubfitter/builder can benefit you down the road... Most fitters will have satisfaction guarantees and if there's something about the clubs you don't like (bad distance gapping, issues with loft/lie, etc) they'll probably fix it for free within a certain period. But if they're charging an insane markup, you can take their fitting specs and have exact same clubs built up from other places and save money.