If you're paying $200 for an SSL certificate, you're doing it wrong. But I don't think any of the points of the article change for cost > $0.
I am making a US-based comparison since you used the word "federal."
Compared to the ~$15 a year a .com domain costs, paying 10x that amount for an SSL certificate seems a bit on the high side.
[1] - http://www.startssl.com/