Keep in mind Carbide bits are very brittle and will not take any side-load without breaking.  I use the carbide bits from Drill Bit City, but only in the drill press.  For the pin vise, only hss bits.  They are more forgiving if your hand is not rock steady.  I tried the carbide bits in my Dremel right angle accessory and just the kick at the start was enough side load to snap them.

Fits of this kind are designed for machines running at higher running speeds, considerable bearing pressures, and heavy journal pressure. Fits of this kind also can be described with greater clearances with common requirements for fit precision.

H9tolerance Chart

Fits of this kind are intended for use where wide commercial tolerances may be required on the shaft. With these fits, the parts with great clearances with having great tolerances. Loose running fits may be exposed to effects of corrosion, contamination by dust, and thermal or mechanical deformations.

Shrink fits serve the same purpose as force fits, but are achieved by heating one member to expand it while the other remains cool. The parts can then be easily put together with little applied force, but after cooling and contraction, the same dimensional interference exists as for a force fit. Like force fits, shrink fits range from FN 1 to FN 5.[3]

The ISO system uses an alpha-numeric code to illustrate the tolerance ranges for the fit, with the upper-case representing the hole tolerance and lower-case representing the shaft. For example, in H7/h6 (a commonly-used fit) H7 represents the tolerance range of the hole and h6 represents the tolerance range of the shaft. These codes can be used by machinists or engineers to quickly identify the upper and lower size limits for either the hole or shaft. The potential range of clearance or interference can be found by subtracting the smallest shaft diameter from the largest hole, and largest shaft from the smallest hole.

With micro drill bits that would be used with a pin vise, which are better bits hss or carbon stellfor our purposes? This is for use with wood.

It really doesn't matter which you use.  The major difference between HSS and carbon steel as far as we are concerned is that carbon steel can, if heated sufficiently, lose its sharp edge and can revert to its original "soft" state.  However it would have to be taken to "blue" at around 300°C for this to happen.  HSS can be run red hot and will still hold its edge.

H7 tolerance chartpdf

Fits of this kind are intended for the accurate location but with greater maximum clearance than class RC1. Parts made to this fit turn and move easily. This type is not designed for free run. Sliding fits in larger sizes may seize with small temperature changes due to little allowance for thermal expansion or contraction.

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H6Tolerance chart

Fits of this kind are intended for use where accuracy is not essential. It is suitable for great temperature variations. This fit is suitable to use without any special requirements for precise guiding of shafts into certain holes.

HSS stands for High Speed Steel and is kind of a standard for normal metal working.  You can go up a step to cobalt if the work is harder.

H7 toleranceISOTolerance Chart

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H8Tolerance Chart

Force fits are designed to maintain a controlled pressure between mating parts, and are used where forces or torques are being transmitted through the joining point. Like interference fits, force fits are achieved by applying a force during component assembly.[3]

Interference fits, also known as press fits or friction fits, are fastenings between two parts in which the inner component is larger than the outer component. Achieving an interference fit requires applying force during assembly. After the parts are joined, the mating surfaces will feel pressure due to friction, and deformation of the completed assembly will be observed.

A fit is either specified as shaft-basis or hole-basis, depending on which part has its size controlled to determine the fit. In a hole-basis system, the size of the hole remains constant and the diameter of the shaft is varied to determine the fit; conversely, in a shaft-basis system the size of shaft remains constant and the hole diameter is varied to determine the fit.

G6Tolerance chart

Hole and shafttolerance Chart

Properly hardened and tempered carbon steel is actually harder than HSS - unless allowed to heat up and therefore become soft again.

The International Organization for Standardization system splits the three main categories into several individual fits based on the allowable limits for hole and shaft size. Each fit is allocated a code, made up of a number and a letter, which is used on engineering drawings in place of upper & lower size limits to reduce clutter in detailed areas.

Current build:  HMB Endeavour  http://modelshipworld.com/index.php/topic/11299-hmb-endeavour-by-bizibilder-caldercraft-164-scale/#entry345837

The smaller RC numbers have smaller clearances for tighter fits, the larger numbers have larger clearances for looser fits.[4]

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Fits of this kind are mostly for running fits on accurate machinery with moderate surface speed, bearing pressures, and journal pressures where accurate location and minimum play are desired. Fits of this kind also can be described as smaller clearances with higher requirements for precision fit.

ISOtolerance Chartfor holes and shafts PDF

Engineering fits are generally used as part of geometric dimensioning and tolerancing when a part or assembly is designed. In engineering terms, the "fit" is the clearance between two mating parts, and the size of this clearance determines whether the parts can, at one end of the spectrum, move or rotate independently from each other or, at the other end, are temporarily or permanently joined. Engineering fits are generally described as a "shaft and hole" pairing, but are not necessarily limited to just round components. ISO is the internationally accepted standard for defining engineering fits, but ANSI is often still used in North America.

Fits of this kind are about the closest fits which can be expected to run freely. Precision fits are intended for precision work at low speed, low bearing pressures, and light journal pressures. RC3 is not suitable where noticeable temperature differences occur.

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In the US carbon steel suitable for toolmaking is sold as "drill rod" and in the UK it is known as "silver steel".  It is worth noting that carbon steel tools will probably be much cheaper than the equivalent HSS.

It is unlikely that in modelling - even with our small power tools - we would manage that unless we really abused our tools.  If you are burning the timber with a drill bit something is wrong and you may well be in a situation where carbon steel tools would be damaged.

Or you can go another step up with titanium bits,although they are generally not available in micro sizes that I know of.

http://modelshipworld.com/index.php/topic/9953-lexington-by-jbshan-dlumberyard-164-from-the-seaways-practicum-by-clay-feldman/

Methods of producing work to the required tolerances to achieve a desired fit range from casting, forging and drilling for the widest tolerances through broaching, reaming, milling and turning to lapping and honing at the tightest tolerances.[1]

ISO and ANSI both group fits into three categories: clearance, location or transition, and interference. Within each category are several codes to define the size limits of the hole or shaft – the combination of which determines the type of fit. A fit is usually selected at the design stage according to whether the mating parts need to be accurately located, free to slide or rotate, separated easily, or resist separation. Cost is also a major factor in selecting a fit, as more accurate fits will be more expensive to produce, and tighter fits will be more expensive to assemble.

Last build : Royal Caroline: http://modelshipworld.com/index.php/topic/13939-royal-caroline-by-bizibilder-finished-panart/?hl=%2Broyal+%2Bcaroline+%2Bbizibilder