I still haven't found a HG base coat, but right now I am using Salon Sciences Instant Artificials and its okay, nothing special. (sorry its not exactly drug store, but its not really a recomondation either)
As for top coat, I used to like Seche for a topcoat, and I found I didn't really get any chips, but that was because my nail polish would peel off in a whole sheet in less than a day, and even faster if I used the seche base coat.
Now, I use the "red bottle" Sally Hansen instant dry, no chip top coat and I LOVE it. Totally wonderful, and lasts days longer than SV without chips(and no peeling). I feel like if i could only find my perfect basecoat, I would never have to worry about chipped nails ever again!