How much noise is your laptop fan and hard drive making?
I have been recording audiobooks, voice-overs and more for way past 20 years. One of my products, an audio tech tutorial, sold to a large company for $35,000 (it was cheaper for them to buy my thing than write, record, edit, etc. the same material from scratch!) So I guess I am doing something right.
I also had a nationally syndicated pre-recorded show during the "dot-com" boom. I still produce a weekly one-hour talk radio show and am paid $400 for each one..not bad, and easy for me to do in this small market. This is all done from home.
I'm not bragging, I'm just pointing out that I have been making a living with my mouth for quite some time. I am NOT a musician and don't know squat about music recording and production!
While USB mics are convenient, my rig is a halfway-decent XLR
studio mic with popper-stopper suspended in a rubber spider-web housing and plugged into a largish TASCAM recorder that supplies phantom power and has built-in speakers for quick review (it looks like a very un-stylish boom-box and was under $200 as it was not a popular item).
The upstairs room in this old farm house is very dead acoustically and I put a sound-absorbing panel around the back of the setup. I also use a wooden table, not metal. My chair also does not creak.
I have used the old Adobe Audition 1.5 for years. See if you can find a legal used copy on eBay or somewhere. It has just enough multi-track to be useful for voice overs, but it not as complicated as later versions used for recording bands.
If you can't deaden the sound of the room, try making some panels covered with that spongy stuff that is put under carpets. Place them on both sides of you and perhaps even behind you. Also, you can't buy a mic just based on specs. The mic has to "like" you!
Hope this is of some help. In short, you need to get the right tools for the job, but they don't have to cost thousands.