I can’t remember, now, what I got with my first lathe nearly thirty years ago.
I do remember that I was using some brazed carbide cutters (some of which were useless, but I was not aware of the quality issues and them needing proper sharpening!).
However, the lathe was fitted with a 4-way tool-post so I found how much shimming was required to get the cutter to centre-height, then selected a single thick spacer/shim which raised the cutter to a few thou below centre-height. That was initially retained with the individual cutter and later glued to it. That meant I only needed to store that cutter with a shim that raised the cutter that last few thou. Simples, really.
I always use the largest cutter/holder that I can, the smaller ones (mainly HSS) are used when space is limited – or for less tool grinding. Think about it – HSS is generally used for light cuts, so do not need to be that big, and many light-weight/worn lathes will flex when making heavy cuts, altering that careful centre-height setting anyway. Adding a QCTP simply exacerbates any flexing of the whole system.
One problem, with thin tools/cutters arises when the cutters are extended, by users, to reach further. A lot of hobby beginners just don’t think about these potential issues. So little wonder that these issues keep arising on the forum.