I have a full set of both the black oxide and the TiN coated drills. I typically go to the TiNs first because they wear better. I don't drill anything anymore without using some sort of lube, usually Tap Magic or the 4oz lube sold under the Craftsman brand. With the right speed, feed and lube a good drill should cut well through about any normal home shop material. I drill lots of aluminum -AN fittings to enlarge the bore and with a little lube a TiN drill leaves a nice finish. Same with the black oxide units. ATF is also a good lube for drilling aluminum. Head porters use it on their carbide cutting burrs to keep the aluminum from clogging up the flutes.
If I have a larger hole - 1/2 or better - I usually buy a good quality drill to make the best effort first time. Don't have many larger than 1/2, other than a few Deming units and a couple for some pipe tap size holes. I keep a bunch of HF drill packs in a drawer with the most common 1/4 and under sizes. Buy on sale cheap, break or mess one up - toss and grab another.
Used with proper care, what you have on hand should serve you well.