You did not say where your located but many crops don't look as good this year because of all of the water/rain.
Forget the fertilizer in the drill. You can spread 50 acres in less than an hour with a spinner spreader. Plus the fertilizer is $40-50 a ton less than bagged costs. You can put a little extra on if you think the crops need more.
Also most small grains do not need much fertilizer when they are smaller so you rarely see any yield increase with applying the fertilizer in the row.
IF you hate spreading the fertilizer have your local COOP do it. It would still be cheaper than bags.