"Not looking for world class reloading here just dont want to hurt my carbide dies or cause other problems. Do I need a tumbler ? Is what I am doing enough"
I like my tumbler but what you are doing is enough. We reloaded quite well LOOOONG before tumblers became common! Unless you let sand get inside it, a good wipe down is all that's needed to take grit off the brass.
All tumbling really does is make the brass shiney anyway, no matter how some of us try to convience ourselves it's for the dies or to better see splits or make better ammo, etc. The dies don't care about any case tarnish or powder residue, and it actually seems easier to spot splits on unpolished brass to me. MOST of my splits show up after sizing, not after firing.