Scrivener is US$40, Vellum is Mac-only and US$200, the other two are unnecessary/replaceable and IMHO should be a list of equivalent options -- once you have a manuscript, which can be created using any number of free tools.
Someone who imagines writing the Great American Novel, but who also expects to have to pay a premium for each step along the way, may not grasp the essence of novel writing -- how it fits into the big picture.
There are any number of free word processors able to organize a book project into chapters and sections. Self-publishing is also free or should be.
My favorite story about novel creation is that of Andy Weir and The Martian. Weir started the project as a series of blog posts, got very useful feedback from his readers, improved his content on that basis, and the project grew nearly on its own. By the time Weir wanted to talk to publishers, they already wanted to talk to him.