Take the drugs for the symptoms, and buy generic. Acetaminophen or ibuprofen for fever/pain/headache, pseudoephedrine for congestion (stay away from this if you're going to bed anytime soon, since it's a close cousin of adrenaline and raises blood pressure and excitement lever), diphenhydramine or loratadine (I LOVE this stuff) for allergies, dextromethorphan for coughing, and guaifenesin for phlegm in the airways.
Nyquil is kinda nice since it combines a few of these, but it will have the same medicine as all the others that are "nighttime" formulas - they have diphenhydramine, which puts you to sleep, but leave out the decongestant. Oxymetazoline is incredibly effective for relieving congestion when it's absolutely necessary (NOT for diving), but it's really easy to get hooked.
All that being said, I think Claritin-D 24 hour (Wal Mart has a great generic version) is one hell of a product, and combined with some Tylenol for head or sinus pain, you're all set. The generic 24 hour stuff will be less than $1 a pill, and it works.