Still a bit puzzled that it's not an actual option to have a specific variable negative supply though. I know that they're around as I've seen an EEV blog video with one on (I think the one with the Amiga 500 repair/tear down).
The primary reason for using multiple terminals on dual PSU's, is it allows for multiple configurations (independent, series, or parallel operation), and can be just a bit less expensive to manufacture (no switches necessary to set up series v. parallel for example). If you want even a single supply to output a negative voltage to your circuit, just invert the wires (+ to - and vice versa). No different than switching the test leads on your DMM (the minus sign will appear along with the displayed value).
IMHO, you're much better off looking at used PSU's. You get better quality, usually better specs, and most are repairable for similar, if not less money than the cheap Asian supplies (manuals tend to include full schematics, and may cover it's design as well <old HP/Agilent manuals are really good for this>). MUCH better value vs. new budget units.
It does require some patience, but it does pay off IME. Here's a popular
example.
Search for "how good is XXXX Chinese PSU" types of threads, and you'll see posts that suggest used and which makes/models to go for (the linked example, HP E3610A, is one that's usually mentioned).

It will take time to wade through them, but it's worth the effort to read IMHO.