On new jobs I use a ratchet bender all the time. But I find it harder to bend old pipe if it isn't heated before bending and I rather just use a long radius fitting than waste time heating and bending.You could always take $150.00 from your fittings allowance and get a Rems/YJ ratchet bender. That and a couple of swaging tools and you'll probably rarely need to buy most of those expensive wrought fittings, except for maybe things like changing out motorized 3-way valves of concealed, in-the-ceiling fan coil units like you see in some hotel rooms, where you often have what seems like 1-inch of clearance to work with. Using fittings there seems almost mandatory.
Yeah, I'll do the same for standard Type L sizes, but I can remember that some of the older Whalen fan coils we had to replace valves on had small ACR coil lines, like maybe 3/8” OD [1/4” ID] sweat directly to the valves with reducers. We had to use ACR fittings since there was no room to bend or swage tubes to do fit-ups for the replacement valves.As for water piping, I use standard plumbing copper fittings and not refrigeration grade, I find the Depot pretty cheap on that stuff.