While not really a budget tool per say, I’d recommend checking out Beancount if you are looking for a power tool and you are comfortable with a bit of Python. The only really manual steps I have in my setup is downloading transactions from my banks and categorizing any transactions that the machine learning plugin fails to categorize.
I had an issue where one keyboard (worked with another one) worked in bootloader, but not when entering the encryption password after that. I believe I solved that by moving keyboard earlier in the module list in mkinitcpio.conf. Maybe something similar would solve your issue?
I have basically the same thoughts as you. The reasons I can think of is:
Fairphone 5 has 5 year warranty. Sure that’s not 4, but the title makes it seem that 4 is longest out there.
I have had basically no issues with my setup: Edgerouter 4 (overkill, had a lower end Edgerouter earlier with no issues except the power adapter died, other hardware was fine). Some pretty basic unifi AP. As well as some cheap dumb gigabit switches. Can basically fire and forget them. Relatively easy to do most things I need on it. Never needed a reboot outside of upgrades. No stability issues, unlike basically all other home grade all in one stuff I have experienced in the past.
I could recommend evaluating if you really need shampoo. Look into no-poo or acid rinse. I use local made soap and acid rinse instead of shampoo, works well for me. Other than that as others said we need more info.
Sencha Fukujyu. Loose leaf green tea with no added stuff. 70 degrees. Reuse leafs throughout the day. Brewed in a kettle that allows proper expansion of leafs.