The UAD cards are not a rip off, CJ. The Fatso emulation is extremely processor-intensive, absolutely authentic, and authorized & endorsed by Dave Derr & Empirical Labs. The emulation is so intricate that it eats up more of the UAD card's power than most plug-in's. That's what it took to get it right, and no one else has ever done a Fatso emulation, not even a "disguised" version.
You could buy single hardware Fatso for $2199.99(street), or you can save $400 by buying a UAD-2 Quad for $1499 and the Fatso plug-in for $299 (less when it's on sale)...giving you up to 12 simultaneous stereo instances of the Fatso without freezing. (12 hardware Fatso's would cost you over 26 grand!)
I don't know which UAD-2 card fooman is running, but since getting my Quad, I never max it out, and I never freeze audio anymore.