Yes, you may be right but not for the budget you have stated....you would be looking in the region of $70-90 for that size of package on a reseller so you would be more beneficial going with a managed VPS.
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I think you should either go for reseller account for that budget. A VPS will cost you atleast 20$. But even if you find a reseller account for $13 with 20GB space, better ensure the reliability of the host before paying.
I agree with the other comments on the thread - your expectations are unrealistic. You may find a package, such as you're looking for, advertised for your price, but take it from the people that own hosting companies: there is no magic in what that host is offering. Expect to have something that should be a non-issue become an issue: hardware, bandwidth or customer service.
Many of shared hosting companies offer money back guarantee or monthly payment plan.
Many offer huge discount coupons that it cost nearly nothing.
So, instead of getting scared by some posters, test and see it by yourself.
Depending on the site construction, luck, on which erver you land, you may find acceptable shared hosting packages.
It will save you lots of money and many headaches.
And don't test just one.
Test at least two (and maybe even keep both, for primary and backup host).
I would say lurk around the offers section of WHT you may find some post there from providers that may catch your eye in something that your looking for. However, I think at the end of the day your budget still needs a raise worse than an overworked laborer
And DreamHosts offer one of the longest money back guarantee. 97 days.
Unless their retention rate is good, they could not have stayed in the business.
In other words, they are satisfying major part of their customers.
Honest smaller host would admit that they can't possibly compete with big guys in terms of pure resource allocation (It's nearly impossible), instead of silly "overselling" type bashing (often without any first hand experiences) as it would eventually hurt their own credibility/business, IMO.
you are asking alot for $13. i would rise to at least $50 and get a resellers. vps might cost more. save yourself all the trouble. you can get a dedicated sever at managemybox.com for $59 i have a server with them and they are great.