Or if anyone knows of a better UTM/USG that provides the above needs but does not break the bank would be greatly appreciated
I'm not familiar with Zyxel blocking software. I am familiar with SquidGuard a free software package/service which is amazingly complete, blocking with time windows, categorical dynamic lists, redirect, blocking of IP addresses, and on and on.
Have you considered building your own router? pfSense an opensource router distro, and several other distros, run SquidGuard on DIY hardware, which you can probably pull together for a couple hundred dollars, if you don't already have a spare machine.
Take a look at the pfSense IDS Firewall or UTM series here, it is really quite straightforward.
In addition to SquidGuard, it also provides other subscription based security features for free like IDS, Country, Spam and Domain Blocking.