Whoa.. I think we need to start again. Not sure where you've gotten some of your information from 
But that's ok, let's answer some of the questions...
"Can't do import of vB 4.2.0 anyway"
Actually, yes, you can. There is a vB 4.x importer here: http://xenforo.com/community/resources/vbulletin-4-to-xenforo-importer.256/
"No sub-forum support"
XenForo supports sub-forums and they will also be imported using the above importer.
"No payment processor handing methods"
XenForo has a User Upgrades system which allows your users to pay for account upgrades using PayPal. This can either be one off charge or recurring payments.
"50.00 yearly for updates"
It's actually $40. Not $50. Overall, much cheaper than vBulletin.
"June 25th 2013 comes around... And XenForo released security update the 25th .. I'm screwed"
Also it's worth noting that there has only ever been one security specific update and that was released to everyone, free of charge.
