What we do for this is create a custom page type called "folder" and don't apply any of the URL features to it. This will allow you to have your "Product" page, with nested folders tools/woodworking/manual, then under the saws folder you place your "saw" page with the URL. This will generate the /products/saw URL for you.
So the following:
/products = custom page type or a generic page builder page
/products/tools = folder with no URL attributes, cannot navigate to this page
/products/tools/woodworking = folder with no URL attributes, cannot navigate to this page
/products/tools/woodworking/manual = folder with no URL attributes, cannot navigate to this page
/products/tools/woodworking/manual/saw = custom page type with URL attributes.
I'd also recommend NOT using underscores in your URLs, make them friendly by using a dash instead.