UltraFine Xtreme is very good and cheap film, but currently unavailable, PhotoWarehouse now has UltraFine Finesse available, but it is new and there are not a lot of online reports about it. I am currently shooting a 100 foot roll of this, and still trying to figure it out. It its not a bad film, but it isn't TX400 either. The Xtreme films were very good and looked very similar to Kentmere.
Kentmere is made in the same factory by the same people who make Ilford films and is a good affordable choice. There are also rumors that UltraFine Xtreme is rebadged Kentmere, or something very similar.
Foma and Arista EDU are the same film. These films have a somewhat different spectral response. It is a look I like, but many don't. I shoot a lot of Fomapan 100 because I like the film, not because of its low cost.
As for developers, Freestyle's L110 (HC-110 clone) is fairly cheap and develops a lot of film. The 1 gallon packet of D76 is also reasonable priced. I don't mix my own chemicals because, quite frankly, I don't have the time. I find that a batch of XTOL lasts me about 6 months. At that rate, it doesn't make much sense for me to try to save a few pennies.