Yes, if one were to keep a new USP for 20 years then the cost difference would be negligible. For my part I just don't feel the USP is really $300-400 more than a CZ75, P01/6, or possibly even a P09. I'm not saying someone else shouldn't buy one but they aren't worth it to me. For $500 though I would likely buy it over a CZ. There is always the snob value...
I love CZ, but fit and finish on HK is hands down better. I'm not saying there is much if any difference in function, but you aren't just paying for engraving.