Well, by your definition a nomad player on insane difficulty isn't hardcore. The "I will want stuff asap"-players in this forum seemed to call themselves sandbox players, as far as I could tell.
If the tools were guaranteed to be found at the trader, there would be no use for other ways of getting them, everyone would just buy them. Sure, they could be made very expensive (and unsellable, otherwise they would be easy duke generators). My experience was that they were easy enough to be found or bought. And if you really missed out on one of them there will always be the "emergency aid" available at level 20.
IMO either the stone axe shouldn't be so much worse than the fire axe so that nobody would be "forced" to have a fire axe, but practically un-upgradbale (with perks or mods) so that the switch to fire axe is still a priority.
Or a stone axe should have its own perk tree (with no or very low gates). Don't find an axe, bite the bullet and upgrade the axe. But even the fully upgraded axe would be just on the level of a blank fire axe. Makes a hard choice between useable axe immediately or better perk usage long term
Fully agree with what you say about early loot and iron tools. At least in the early phase of A17 there is a lot of variety just because you might or might not find some of the tools.