I prefer not to take multi-symptom meds if I can help it, although cough medication almost always comes with an expectorant. I'm also frugal and a lot of these medications have been generic for decades. I have a cough suppressant and expectorant. It's 30 tablets for maybe $3, which is cheaper than Robitussin DM or even generic cough syrups. It's only mildly effective though for coughs. That OTC dosage has been around for decades, but I've heard a truly effective dose might possibly be 3-4 times for the cough suppressant. I actually have some codeine from my last cold, but that's reserved if it's really bad.
I almost always take separate decongestants. Phenyephrine does nothing for me, so I need pseudoephedrine from behind the counter. I'll either get the 12-hour type or the 4-hour type (2 tablets). The last time I got that was 24-packs for less than $1.50 a pack at Costco Pharmacy. Other than that, nasal sprays work pretty well, but only for short periods.
If you ache - ibuprofen if you can tolerate it. I actually take two and then back off. I've been to a hospital where I was administered triple the OTC dose. They don't consider it a huge concern if you're taking that kind of dosage on a regular basis. However, those who have overused ibuprofen have suffered kidney damage.