Thats like saying you can't find a Rolls Royce at a decent price
Cheap chocolate and ganache should NEVER be be put in the same sentence - If I had to sacrifice quality I would rather do with out.
As for Nestle Toll House chips - ewwww! BUT they are designed to stay in shape during an entire baking session - so they WILL perform differently too.
Notice the first ingredient is SUGAR - that would not be the case with couverture chocolate.
Out of interest..... what price would you say is a 'decent' price to pay for chocolate? (just curious) :)