Two I had been looking at were the Roth RE-315 and RE-060; I think these are the sort of thing you mean for 4 (with DIP packages) and 5, respectively?
Yes, this is the stuff I am talking about. And I would recommend to do some planning upfront, like parts placement, instead of ad-hoc placement and wiring.
I think I'll order a wiring pencil
Consider making your own. I have seen commercial wiring pencils with plastic tips. They don't last the first few wires, especially if you are inexperienced (hot wire from or during soldering, a slight pull, and the wire melts the tip).
(the combs do indeed look rather expensive so I'll skip them if they're of questionable utility!)
They help to keep order, but introduce at least two problems: Crosstalk, because signals run in parallel in close proximity, and difficult to replace wires.
If you start wiring, start with the power rails, and use hookup wire, not the pencil. Then use the pencil to wire from inside (middle of the PCB) out. Do the wires with with short length first. Crossing out all connections that you have done on a copy of the schematic.
You will find it takes time and passion. After you have done your first board you will think that a professional PCB isn't such a bad idea.
Regarding the time it takes to get a professional PCB. It matters if you are a business and time is money. If you are a hobbyist it doesn't matter. Just have a few projects running in parallel. While you wait for the PCB for one project you work on another one.