I use a duty belt with (from left to right) KYWI triple pistol pouch, Raven concealment 5 finger subload moduloader with an HSGI Bleeder and rifle KYWI, maxpediton roly poly dump pouch and safariland ALS holster for my M&P. I wear it over a mean gene leather belt and attach it with belt keepers. I think it's a decent setup without overdoing it. I do all of my shooting on private land so I just toss that on and go shoot, it has everything I need.
ETA: I just noticed low cost in the title, I pieced mine together over a couple years while in college. You could use more budget friendly pouches if you wanted to save. I started with bladetech and condor pouches and upgraded as I could afford, but am still using the condor duty belt. It has held up pretty well given the amount of use.