I'm a bit confused, do you use a tampon, with a pad, with a liner? And then you use wipes, and disposal bags? And then 3-4 liners every day when not on period?
I might have got that wrong. Firstly key thing is you feel confident and covered with what you have. But tampon, pad and liner together seems unnecessary? I would think the liner doesn't add much, but I don't know how it is for you. I wear liners sometimes just after my period, but only for a couple of days, I think the question is what difference does that make to you each day realistically as I have never really 'got' daily liners but might just be I haven't had the need.
Bodyform is good, non irritating and cheap, usually about £1/pack of 12-14 pads depending on absorbency and will go on offer regularly too. I only use pads and find Bodyform very reliable and comfortable.
The disposal bags seem unnecessary, at home you can wrap things up in their wrapper and stick in the bin, outside everywhere usually has sanitary bins.
The wipes seem unnecessary but do you find they make a big difference during the day? I shower in the morning and in the evening just use a jug and pour warm water (trick I learned from postpartum care!) to feel 'fresher' if I feel the need.
Your spend works out around £16-17/month, so trying to figure out if that's a box of each of those items every month. I spend about £2/month (very roughly) but just on pads, so if everything else is quite pricey and bought every month I can see how it would add up.