Just put your finger on the spool and tighten the clutch buddy. I have used several none baitrunner, none QD reels (tournies for example) and never come close to losing anything. Just don't panic, pick up the rod, tighten the clutch, happy days.
You'd be looking at the Windcast/Crosscast for this kind of money. I'm a Daiwa user but I don't actually rate the budget models. If you can stretch to 130ish the Emblem 35 SCW 5000C QD is worth looking at but might be tricky to find them in stock anywhere at the moment.