Same here: in my view,and maybe I am too conservative, real flush equires a very sharp assymetric sharpening angle which is very tough on nippers, unless you are cutting copper.
Allowing for not-that-flush cut, leaving small stubs behind, is not a big deal and widens the field enormously.
That said, I have bought standard cut nippers,highest quality available,and have carefully ground them into almost flush cutters, main care is to NOT let hem overheat in the least, I go slooooowwwww and cool them frequently.
As usual,YMMV.
The main reason is not cost, but hurry, I can buy very good "normal" ones atthe corner hardware store, the real good Electronics type must be ordered and waited for.