Hi,
You're speaking of three different things.
System Restore points are housed on the volume(s) that they cover, they can
only be used by the SR software and you cannot use them to create Recovery
Disks. SR is meant to revert the system to a previous configuration when
there is a relatively new problem.
Recovery Disks are generally supplied by the system manufacturer, however
most don't do this as part of the purchase. Instead they create a recovery
volume that is accessed by an "F" key during boot up. Some manufacturers,
like HP, allow for the one-time creation of your own set of disks, otherwise
you have to specifically request them. Use of these disks returns a system
to factory state, and all data currently on the system is lost.
A startup disk was something used with Win9x systems that contained a bit of
boot code that allowed you to access the system from a DOS prompt. Modern
Windows systems do not have an underlying DOS layer that can be accessed by
a boot disk. The closest you can come is the use of the Recovery Console
which is accessed by booting the installation disk (retail version). This is
used to work on a system from the command line when you cannot access the
graphical interface to affect repairs.