Jim, from the sound of it you bought a set that may have originaly been intended for a ready to run buggy, as such it has the minimum of channels and instructions as they are intended to be pre setup in the model. Also at he price and source I suspect you were buying from E-BAy or the Chinese equivalent, much better to deal with a UK model shop where you have more chance of finding a suitable set, they may be a bit more expensive but you can talk with the person in the shop.Check out Cornwall Model Boats or Steve Webb Models both of whom I have dealt with with good results, you may have a local shop although they are getting rare. Others might be able to suggest other good supliers.
I personaly dislike the pistol grip type of transmitter as they are more limited in the number of channels offered due to their intended use, the twin joystick boxes are available with from 2 channels upwards at reasonable prices, no need to use the big names such as Spectrum or Futaba. Common makes used by boaters include, Radiolink, Planet and FlySky who all produce decent low cost sets.Basically don't just go for the cheapest, as you found out they tend to be extremely limited.
Jim