This again?
Firewire has, yet does not need hubs, since you can chain devices together like with SCSI. Most devices have 2 ports, and you can just keep plugging them into eachother, up to 127 or something. And it's rather decent about sharing bandwidth and keeping latency low.
I don't know who in their right mind would do a 4 disk external raid. If you have data important enough for redundancy, then spend a couple extra bucks and get a case with extra internal drive bays. Or get a hotswap deal to stick into your 5.25" bays.
With reasonable software raid (Those $50 raid cards do software raid too, don't be fooled,) you can raid anything you want. I'm referring to md in Linux and whatever OSX uses. I've not used OSX's version much, but software raid in Linux has most of the features of a high end hardware raid card (online capacity expansion, background rebuilding / consistancy checking, shared hot spare, etc) and it's faster than a couple of the low end hardware raid cards that I've tried. And you could make a raid out of a network disk (AoE), a sata disk, a usb disk, and a firewire disk, and a disk image file. It'd probably be slow as balls since that USB disk would probably run slower than a network disk using 100mbit ethernet, and it'd introduce all kinds of rampant latency, but you get the idea. I've also heard of someone using OSX to raid together 8 usb floppy drives. It's not a good idea, but it illustrates the flexability of the system.
Yes, USB sucks, especially the Intel and VIA controllers, since they do even less of the work than a regular controller, leaving more up to the cpu to deal with.
As to the math, not every single bit in the GBit rating is actually used for data, they typically do some sort of 8 in 10 encoding to get some error checking and data resilliency, so you actually just divide the rated speed by 10 to get the actual speed in bytes.
Don't get me wrong, I've used external USB drives, but I typically do it when I'm not even kind of in a hurry, mostly when backing up users' machines before I reformat or whatever. Then again it was hard to tell whether the shitty computer, shitty drive, shitty enclosure, or USB that slowed things down.
I mostly hope that there's always some alternative to USB that isn't too expensive, since I may need an external drive in the future, and I don't really want it plugged into my mouse port.