RME charges a ton because they can, I think. They seem to be way better at hardware and software than most pro companies. They do better USB implementation, write better drivers, and hence get great performance. So, they charge a ton.
The reason I'm optimistic that USB may improve in the future is USB3. For one thing it just has more bandwidth which means more audio channels, but also lower latency. The faster your bus, the quicker you can transfer data and thus lower latency. Equally important is it can do DMA, Direct Memory Access. This means the device can write data right in to RAM (as PCIe and Firewire devices can) bypassing the processor. This leads to lower system load and of course lower latency. Finally it is full duplex, which means no contention when doing simultaneous IO.
Now for any of that to matter we need companies to support USB3, a USB2 device doesn't get any better plugged in to a 3 port, and we also need companies to do a USB3 implementation that doesn't suck. Audio companies are not so great at that whole "not sucking" part so it could be awhile.
As I said, maybe look at the Focusrite Rednet stuff. Another option could be three RME Multiface IIs. RME gear can run multiple units in a system and sync. That'd get you 24 analogue IO, plus another 24 ADAT. Doesn't support their newest Totalmix FX stuff, though that is supposedly being ported to it, but without all the effects (since it lacks the DSP for them). Not cheap but $3k instead of $10k. You would need 3 PCIe slots though.