Tablo is a fine all in one box. However it only does OTA. I cannot knock the product. Its good. Its basic, simple, limated features. But it just works. I would give one to grandma without a second thought.
but
Channels DVR
OTA (with HDHR)
Canle Channels (TVE , philo, canle etc)
Free Channels (Pluto, stirr, samsung etc)
Virtual channels (local content playing like live tv)
Local content management (kinda like plex)
All inside one unified TV guide.
Cheapest route
Server: $0-$200
Server, find any old laptop or old conputer with a dual core or better cpu and it will probably work. Someone you know has a 10year old laptop collecting dust
Storage: $0-$150.
Either the hard drive in server or a quality USB drive
Channels DVR: $80-$96 a year (annual vs monthly)
OTA: $0 - $300 (Tuner + antenna)
OTA channels are not required. But nice to have. You will need a tuner HDHR and a antenna.
Free Channels: $0
Use custom channels such as Pluto, Samsung etc.
Cable Stations: $25 - $100 a month
Philo is $25 a month and gives you most of your cable stations.
*Free option is if you have a friend with a cable or satalite subscription is to get them to share there online login. It will not affect their service. You just need credentials
Depending on what things you have or can source for free. Will dictate cost.