In my opinion, it's better to go with separate programs versus and all-in-one.
That way you get a better choice and efficiency. Most of the all-in-one programs use a "shotgun" approach which more times than not don't work all that well.
I'm also on disability (osteoarthritis, degenerative disc disease), my medical expenses (including drugs) costs nearly $600/monthly. But I've never found an all in one suite that didn't mess up my computer. My only luck has been with separate apps.
Of course, CCleaner is free. That alone makes a big difference. PerfectDisk has a home version that costs less than Pro does. If you can't afford a defrag solution, then Auslogics Disc Defrag is the best free one that I'm aware of. Those two together can make a big improvement. I use them both on my notebook, and it runs good, considering it's condition & age.
Cat
I wouldn't like an app that deletes all of my restore points, unless I had enough hard drives laying around to keep plenty of backups on hand. And even then, that's a lot of trouble to go through. I don't recommend an app that does this, as you never know when you may need a particular restore point. I have 25% of my main partition (115GB) reserved for restore points. And that's already almost full.
It really doesn't cost an arm and a leg to maintain a computer, even if you're on a shoestring budget (as I am, too). Having plenty of restore points and at least a couple of backups on hand is essential. Macrium Reflect, which can be found in the Free Software Database, does an excellent job of backing up.
If you have a Seagate, Maxtor or WD backup drive, there's a free version of Acronis (stripped down a little, but still effective) that gives you a few more features, such as cloning.
But back to computer utilities, doing some web searching can help you find some other apps, although always approach any new one with caution, do some research on it, and you can come up with a few good free apps to use.
For example, PerfectDisk has a free trial, you can take that time to make sure that your disc is in order before the time runs out. There are many other commercial "free trials", you just have to hunt for them, it all depends on what your needs are. Take full advantage of what you can get your hands on, while you have it.
Hopefully, my post has been of some help to you, I do hope that you can find a few apps that you can live with. Trusting all of your computer's needs to a single app may burn you somewhere down the road, and I don't recommend that route to anyone.
Best of Luck,
Cat
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