I don't think it's necessary to own PCB manufacturing gear. If veroboard is not suitable you can have PCBs made reasonably cheaply.
Olimex
Keep in mind that most home-made boards are single-sided or double sided without through-hole plating. This limits their usefulness quite significantly.
In my experience "stripboard" and "veroboard" mean the same thing. The term "breadboard" usually refers to a plastic board with an arrangment of holes into which components and wires can be plugged (no soldering). Breadboards are used for testing circuits before final construction.
I haven't used electronics workbench, so I won't comment on it. If you want to simulate circuits cheaply you might want to look at LTspice
I find that the best way to do veroboard layout is by hand using a large section of veroboard, the components you intend to use, and of course your schematic.
When plan a component layout you need to worry about grounding, mounting decoupling capacitors close to the components which need them, adequacy of power supply rails and many other issues. I really doubt that any CAD package will do a better job than a person.
The best way of cutting veroboard (I assume you mean the stuff with a 0.1" hole matrix drilled in it) that I have found is to score it along one of the rows of holes with a sharp blade and then snap it.
Sometimes it can be useful to initiate the break using sidecutters on one end of the score line.
The break edge can be cleaned up with a file.
It is reasonably safe to cut the board with components in place. This avoids having to guess the board size ahead of time.
Regards, Alan