What do you define as "breaking the bank"?
Are you looking for something freestanding, or something that's attached to your rig?
We've used a pop up shelter for a couple years, and it works well. I did just buy a vehicle mounted shelter as well (just delivered today, so no review yet). I travel with my wife, and 5yo daughter, so privacy when doing their business is paramount when in groups. I plan to keep the pop up in the trailer for base camping, and when we go exploring, we'll have the vehicle mounted shelter (also for showers on longer trips).
If you're looking for a vehicle mounted version, it's hard to beat the price of this one:
Elevate Your Off-Road Experience! The KickAss Shower Tent Awning is built for Jeep, Toyota and overlanding enthusiasts. Whether you’re conquering rugged trails or on the next epic journey, this instant necessity provides sag-free private sanctuary. Picture yourself rinsing off after an a hot...
kickassproducts.com