It all comes down to adapting. I have yet to have any issues with thirst or hunger in A21. I've been low but never in the red. That is true in a two player game I've been in. I have no issues at all with finding something to drink even without dew collectors.
Don't forget that you can drink from water sources and even create your own by your base by transporting water with a bucket. Water sources give you a chance of dysentery but there are pills that prevent that. They also damage you a little bit if that is a concern and you don't want to use for it bandages to heal, you can put one point into the healing perk and get 1 health every 35 seconds. So if you lose 5 health from drinking from a water source, you will retain it within 5 minutes 25 seconds. Not really something to be concerned about. Certainly not any reason to allow yourself to die from it.
And you really shouldn't even need that. I've yet to drink murky water in A21. There just hasn't been any reason. If you quest and loot, it is easy to find water and other drinks and boiling murky water you find into regular water isn't a big deal once you get a pot or make one.
As far as cost, a few quests easily makes you enough money to buy a filter even with the price increase.
On the other hand, if you are reducing loot amount, it'll be more challenging. The same is you aren't questing or scavenging.
Also remember that tea is better than plain water, so making tea from your water is a good way to make the drinks last longer.
Edit: Also try to avoid eating food that reduces water. Things like charred meat, corn on the cob, baked potato, corn bread. Use those only if you absolutely need to because you'll need a lot more water if you eat those.