To answer your question, most bezel removing tools are generic since the principle is pretty much the same.
If I were you I wouldn't use a poker chip, an apricot kernel, a USB stick or any other stuff to remove a bezel. Can you do it with any of these ? Yes. Should you ? No. Why ? Because they weren't made to remove bezels and you might just scratch, damage or bend your bezel or the various fragile components that make up the whole system.
If you want to do it you can get a simple case back knife which is also used to remove bezels or use a blunt knife with a thinner blade so that it can get in-between the case and bezel with ease
That 100$ tool is indeed better, at least if we're talking about bezels made out of low quality metal (looking at you Zodiac) that bend easily but normally you won't have any issues with the knife either.
Surely it's not that expensive to spend 3$ on it, right ?
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