First of all, what nostr client are you using? Something on desktop or mobile? If desktop, is it Primal or something else?
Regarding "Alby, GetAlby, an Alby Chrome extension" they're all the same. Alby is the Lightning service, getalby.com its domain name and with the extension you can handle your Lightning payments (pay, receive) and your Nostr logins, if you added your Nostr private key to it. With that, you can login to every Nostr client without having to enter your secret key to the client directly. Then Alby does that for you. But you have to choose "Login with Extension" at each client or similar.
"... AlbyHub, a node, a wallet, an open channel that has spending and savings, hooked up apps, each with a spending limit, but I have to buy another channel of something to receive payments?"
You probably only have a Lightning address (technically it is not a "wallet") from Alby which you can add to your profile in a Nostr client and then you can zap and get zapped. All the other stuff (which I don't understand tbh), I don't know what you've setup but it's definitaly not necessary to use Nostr.