My first cut came after getting a razor back from a honemeister. Anyway, my theory is that I was using too much pressure, way too much pressure. I think you mentioned your razor was dulling so you might have started using a little more pressure to compensate for the dulling razor. Which is still sharp just not as sharp as you had once had it. My experience was I used a 'factory edge' razor and then got a pro hone it, giving it a wicked edge. I used the same pressure I was using before the razor was honed. Slice and diced my cheek up. Twice. I know it can happen again. Actually, it did happen again with a TI I got. This time I marked myself on my chin. I have been cut free for awhile now.
As far as expensive stuff, I have a beat up older razor that shaves just as fine as my 200 dollar razor. Maybe even better sometimes, now that I am thinking about it. I do not get the real expensive creams. However, I am satisfied with Mitchell's Wool Fat, Pre de Provence and some others that I have used in the past. You know I also get bad shaves with a DE every once and awhile. It happens. That is, I mean to say, shit happens. And we will cut ourselves. We are sliding sharp blades across our faces. Hopefully they will only be little cuts. Over time the cuts will heal and be a reminder, well at least to me, of the stupid things we are capable of. Stupid humans we are with silly monkey brains. Love and peace. Enjoy the shaves.