Since your budget is limited/low, you may want to decide what your priority is.
Probably 99.9% of bikes with gears in the world have a derailleur, so if derailleurs were such a major issue, the technology and its adoption would have moved on by now.
I had a push bike with a derailleur for about 8 years, and never had an issue nor made adjustments.
I have a Kalkhoff crank-driven bike with a derailleur, and no issues either.
Maybe the bike will wear chains quicker than with a hub gear, but does not seem to be a massive issue either. I have done 1,500 with the chain so far, and not worn yet (and the motor has high torque).
I can see the value of combining a carbon belt with hub gears, to limit maintenance and possible breakdown to a minimum, but that's only a high end spec/option right now (£3,000+ bikes).