I would personally go to either 40/30/20/20 or 40/40/30/20 or something similar. Helps keep some of the rebound effect down. You will still get some of it after the 20 anyways but hey the easier you step it down the better, or well I have noticed with me anyways. I always keep a small amount of ADT on hand for PCT when I am dropping the SERM dosage.
As Mullet said, neither of us are "right". It is just two different approaches to PCT. Personally I rather spend the extra 40 bucks and have a higher libido and lose less of what I gained on cycle. I only get to run 2-3 long cycles per year and definitely want to make the most of them!
There are multiple studies that prove DHEA is a potent test. increasing agent, without suppression, in males 50+. You might say well hey I am not 50 years old but in PCT your test levels will mimick those of an old man

. In fact the studies I have show significant increases in test levels at as low of a dosage as 50mg daily oral! I have also read studies on the long term efficacy and safety of DHEA and they ran I believe 250mg daily for 6 months with no side effects of suppression. It is cheap enough that it is beneficial to add in.
The saponins are only like another 7 bucks (for Fenugreek) and again I would definitely rather pay 7 bucks to keep the libido up in PCT.
I never like to consider a cycle a "budget" cycle. If you are running a budget cycle you should probably wait and save up more money to run it proper, with an oustanding PCT, etc. But that is just my .02.