it would help if you had a picture of it. are the pretzels cold, hot, or room temperature? and how "cheap" is cheap? probably the most expensive ingredients are the toppings.
here's a pretzel recipe if you dont already have one:
personally i dont make bagels / pretzels much because i dont care to boil them heh.
if you're not familiar with making ganache, here's a vid that should help. i just saw it the other day when he uploaded it. you can see what consistency comes from different ratios of cream/chocolate.
http://www.youtube.com/watch?v=8SaH6HPeqeg
put the chocolate on the pretzel after the prezel cools, then sprinkle your almonds on top.
as for caramel, i dont have any experience with it since i dont care for the taste personally.
http://www.youtube.com/watch?v=ghWeCAw2YT8