Diaper Rash?

So I've been diapering with mostly flour sack towels, and I've got a few Gerber prefolds. I fold em up and put a vinyl cover over, and try to change every two hours or so, except for at night where I've been using a disposable. My daughter is just about 3 months, and I'm worried she's getting rashes from the wet diapers.

I use cloth because I honestly cannot afford disposables, so I didn't get any of the new fancy diapers with snaps and inserts and stuff, I don't even know how those work 😬

So do I need to double up on the fst, make some kind of insert, or just bite the bullet and start using disposables to save my poor baby's behind?

I do have a case of diapers I was gifted, and I figured I can afford one a night for now, and she actually stays dry at night. I don't want to risk making the rash worse by letting her sit in a wet diaper all night though, so it's kind of a just in case thing.