M.P.
BumGenius (BG) and Fuzzibunz (fb) are a pocket meaning there is the waterproof cover then a fabric liner making a pocket. An insert goes inbetween the fabric and the cover and that is what soaks up all the pee. So you would need to change the complete diaper.
If you are wanting to spend less than $200 I would suggest going with prefolds and covers. That is where you can just change the prefold and not have to use a different cover unless it gets soiled.
Check out my blog. This is a post I made for a previous mamapedia question.
http://largebummies.blogspot.com/2010/09/question-form-fr...
It talks about all the different types of diapers and I review some too. I hope this helps out.
I really do love Bg's and FB's. They so far are my favorite. I do love the Oh Katy's. I haven't written about them yet, but they have worked well for my son. And I love the colors that they come in not just the typical ones.
If your daycare doesn't like the cloth, try suggesting a hybrid cloth diaper. I like Gdiapers. That is where there is a disposable or a reusable liner. My daycare wont let us so I'm rather disappointed, but even if you do it part time, it saves you tons.
Oh and you can PM me if you ever have any questions.