I'm on pop os with gnome but using dash-to-panel to get a more classic Taskbar look. I love that extension and seems extremely well supported even across upgrades, it's so good I donated. Maybe I'll add a screenie later.
As for op's pic, I understand liking a particular setup, but to use their proprietary icons too seems strange to me. To each their own, I guess. I thought it was literally a mac on a Linux /c.
You are basically insuring yourself against those expenses, which has a premium. If you are good with money and have a savings, you can afford not to pay that premium. Not everyone is in that position or smart enough with money. So many people are bad with money, that stuff really should be taught in school.
I don't know but I would try Tasker if it were me.