It's not a complete ripoff for the card; they want a consistent card speed, and buying the cheapest 16gb card would net you terrible I/O speeds causing all sorts of people to complain about how the Vita sucks because the games take forever to load.
I actually found a place! It's called the Reuseum in garden city off of 33rd/34th somewhere around there. It's one heck of a cool place, you should go look at it. :) Also now I have to go look at agemsupply. Thank you so much!