Cloth diapers and disposable inserts?

I'm going to be a new first time mother in April. I have been reading about all different kinds of diapers and to be honest, have no interest in washing a cloth diaper or buying all the accessories that make washing cloth diapers easier. I did read about gDiapers and I'm really interested in the washable cloth outside with disposable insert deal… I (am sorry to say that) I could care less about the environmentally friendly part because I'm interested in factoring strictly the efficiency of the diapers. I don't want to put anything on my little boy that will irritate his skin when he arrives and I don't want to spend a lot of money on disposables or spend time and endure having to wash cloth diapers. BUT GDIAPERS ARE EXPENSIVE! The liners cost just as much or more than disposable diapers in most cases!!!

Are there any other combinations of cloth and disposable inserts that is effective and still inexpensive? We're on a really REALLY low budget mostly because in our area there are no jobs available and I resorted to selling Avon after job hunting the last 2 years. I'm really happy I chose this job because it really has made a difference and I have definitely started making a living selling the products but I still need all the financial help I can get to support me, my bf, and my baby.

Could I maybe buy another kind of insert for the diapers? I also don't want to use anything that will leak through and make the whole disposable insert part pointless.

Please help!!!