Yea that is a very good point.
I'm thinking of getting a Pair of SP B1's and a pair of Marshal MXL 603s.
They are cheaper but i hear very good. And i'd start with maybe a DMP3 and work from there.
I don't need that many inputs. But in the future if i record for other people i would, but i guess i can always upgrade then. I heard the converters are a LOT better, so if i added up 20 tracks recorded with say a delta, or with the RME, the RME mix would sound a lot better. Maybe on individual tracks it wouldn't be as huge, but on the whole mix it is noticable. But i don't really know, i don't even think i'd need that much extra.
And like you said i'm not gonna have any killer mics or preamps, just good/decent stuff. No crap but just solid stuff.