You are right. You do get alot of the aminos from the whey protein but your body can always use more ecspecialy like BCAA which is very hard to come by from food.
Creatine I know it says to load and I would recomend it but back in the day I never loaded because I didnt have th money to do so. This is when creatine mono was like 40 bucks a pop. And I still saw great results.
Totaly understandable about the money. What I would recomend is getting these supplements when the budget permitts instead of jumping on
NO XPLODE or something like that. I would say that you can get all the products you need for aroun 40 to 50 dollars a month exept for the protein. Shop around. You can still get whey for under 30 dollars. For quality get Optimum.