What your trying to do would require you to get routes from both ISP's which is something in my experience that they won't provide you with a residential DSL connection. They would usually at least require a business connection which costs a lot more than it sounds like your willing to spend.
Also, unless you have a block of IP's assigned from one of the ISP's that would allow you to be multihomed you would have to have two different IP ranges for all of your machines. Thats OK I guess but it doesn't really help for failover purposes like you are seeking. Also, you will have to learn how to run BGP since that is how most multihomed systems work.
What your trying to do would require you to get routes from both ISP's which is something in my experience that they won't provide you with a residential DSL connection. They would usually at least require a business connection which costs a lot more than it sounds like your willing to spend. Also, unless you have a block of IP's assigned from one of the ISP's that would allow you to be multihomed you would have to have two different IP ranges for all of your machines. Thats OK I guess but it doesn't really help for failover purposes like you are seeking. Also, you will have to learn how to run BGP since that is how most multihomed systems work.