£10,000??? That's ridiculous! Last time it was only a few hundred and one renewal before citizenship came up.
We were thinking about leaving because being an immigrant in the US is becoming harder and harder and more unstable. I guess the UK isn't playing nice about it either. We just want to be a family and live without fear of being torn apart by stupid boarders.
Yeah, the visa fees are extortionate now. The UK has become VERY anti-immigration. It's in many ways the basis of Brexit.
The first visa is: £1,523 + £600 NHS levy (this will double to £1,200 before 2018 is over but we don't know the date yet) + £573 priority processing (optional) + $265 return shipping
Current fees (typically rise by 25% annually):
Second visa is: £1,033 + £1,000 NHS levy + £610 premium processing (optional)
Indefinite Leave to Remain: £2,389
In total, if all fees were to remain the same, it would cost £7,500ish in total to get to Indefinite Leave to Remain WITHOUT priority processing. Citizenship currently runs about £1,300. Sadly, these fees just continue to go up and up and all are approved to rise to MUCH higher rates (£3,250 per visa).
I would recommend that your husband obtains USA citizenship if you think there is a chance you may want to return to the USA in the future. That way you wouldn't have to restart the process. I finally obtained UK citizenship this year after 8 years here and it has brought my family a lot of peace, knowing that no matter what, we can all live in the UK together without government saying if we can stay or not.