Diaper Rashes

The majority of the time we use cloth diapers. The only reason we use disposables is because Paisley gets really bad diaper rashes(caused by her poop) and needs diaper cream to clear it up. I hate the thought of wasting money on disposables and the fact that they will end up in a landfill for hundreds of years. But what is a mom to do when her child has a rash so bad that her lil tushy bleeds? Paisley's diaper rashes are what I call a "poop rash", she will have a bowl movement and wont let me know, sometimes it doesnt even smell, so she will just sit in it until I check her diaper. By that time its too late, the damage has been done. These arent normal rashes, they are deep and cause bleeding, and from what I can see in my daughters face, painful. I try to check her diaper as often as I can, but sometimes im just too late. She also has eczema on her tush and also front diaper area, which we have a steriod cream we have to put on 2x a day. For those diaper changes, I usually will put a diaper liner, either cloth or disposable, in her diaper so the cream wont get on her diapers.
To help clear up these pesky diaper rashes I simply wash her lil tush with aveeno baby wash, or let her soak in an oatmeal bath, ( I grind oatmeal into a powder and dump in tub of warm water, the oatmeal helps sooth her rash). I dry her with my hair dryer using the cold button, I dont want to burn her with the heat of the dryer. For the cream I use on her, I use a mixture of A&D ointment and Desatin max(A&D helps seal the rash and prevents liquid from getting in and desatin helps to heal the rash)and spread it over the infected area at every diaper change. It usually takes about a week to heal up, by that time im soo ready to get her back into cloth diapers.
I know there are biodegradable inserts out there for cloth diaper such as Gdiaper and Flip diaper inserts, but they are more expensive than disposables, and when money is tight, you often opt for the cheaper solution. As for cloth diaper creams, I use California Baby on a daily basis for her, but when she gets her "poop rash", she needs something stronger.
Any ideas on how to avoid these types of rashes or inexpensive cloth diaper safe creams to help treat them?