Interesting thread. I am certainly no expert, but have built two and a half wooden car bodies recently. The tools I found indispensable were:-
A good wood worker's vise.
Two Japanese hand saws, a Dozuki and a Kataba. from memory about 20 and 16 tpi.
A selection of very sharp chisels, including gouges.
A spoke-shave
A router mounted in a table, for sheet-metal to timber rebates.
Hand-held jigsaw
Hand held belt sander, to follow after the spoke-shave.
Linisher, (a larger fixed belt sander)
So not a huge outlay for someone starting into a wooden body. I do use the band saw at the local car-club workshop, and visit a friend who has a table saw, thicknesser etc to size the initial timber stock. Mortices are cut by hand, with the Japanese saws and chisels. Those saws are wonderful tools. Very thin (replaceable) blades and fine teeth, and as mentioned, cutting on the pull stroke.
I don't know what a 'jointer' is, but it does sound useful. And tapered drill bits were available in my youth, but not locally at present. It seems I should be looking on-line for those. Most likely you have different names for the same tools in the US. I find it very satisfying work, and much more fun than finishing sheet metal.