Prices are all over the place for camera systems. Expect whatever you put out to get weathered and go bad after some period of time. Even if they are in a bay, or under an overhang, the elements will get to them. Maybe not direct rain, snow or ice, but the humidity, heat and cold can impact them as well.
The longest cameras I have had running are the cheap systems from Costco, I think Lorex brand. My suggestion would be to just get that cheap system, easy on the pocketbook and work just fine.
As for mic/speaker, I don't incorporate that in my washes, but would be neat to tell the guy to quit peeing in the bay!