Ok here is my take on spot weld cutters. Never used one, haven't needed one.
That being said could I have used one? Maybe.
Let's use this floor pan as an example, something I have done. What I did was on the donor floor I just took a 1/2" drill and blew through the 80+ spot welds right into the substructure, who cares you're not using it. Total cost far less and time probably far less as well.
Now to the car, there are a few methods you can use here. First up cutout the section up to and around all substructures leaving only the strip one the substructure, typically a 1" strip.
No lift the strip up and roll it back till you see a spot weld, sometime it will just pop off. Now take a cutoff wheel and cut through the spot weld from between the pieces. Another way is to slide a body panel knife in and hammer it through the spot welds. Another way I have done is to just grind through them from the top.
About the only time I see using a spot weld cutter is when you are removing a panel and need to protect both pieces.
I may be no expert and have only done one car but I didn't see how getting a spot weld cutter was going to save me time and or money.
Alan