It isn’t easy for me to get to a tool library so I don’t use one, and I understand any hygiene concerns about shared toys (especially now).
But if you need something you’re not likely to use regularly or your kids like variety these are a cost effective option.
Some tool libraries have a low annual membership fee and some have criteria (such as being over 18 and signing a safety waiver). I’m not sure what a toy library involves.
I don’t have kids but I went with a friend and her kid to one of the toy libraries in the west and I was amazed by how much stuff there was and how well looked after it was too. That kid has had an amazing array of toys over the last few years - even little bikes and dress up stuff. it’s so cool