Re: Whats a great pedal for that marshall crunch?
My point with the cars and houses is that if you add up the raw material price that Ford Motor Company is paying and compare it to the final MSRP, you'll obviously see a large markup.
Regarding pricing, my opinion is that pricing has increased quite a bit across the board for guitars and amplifiers as well. Look how much Fender or Marshall charges now for a turret board based amp. Most of the affordable ones are PCB made in Mexico or overseas. Same for guitars, an American Les Paul or Stratocaster is quite a bit more than it used to be. The difference is that the Mexico and overseas manufacturing quality has increased by leaps and bounds, so a MIM stratocaster is now on par with American guitars from the dark years. DS-1s, RATs, Tube Screamers and Big Muffs are all still available. The boutique guys are the equivalent of the smaller amp and guitar builders.
Finally, you are absolutely correct about many pedals being component swaps and tweaks on previously existing designs. Really there are only so many ways to amplify and clip a signal. Heck, some of what the boutique pedal industry is doing is simply reversing the cost saves that have happened to the standard pedals over 4 decades of manufacturing efficiency. Two takeaways from this... When you get too far in the details you'll forget that most overdrives sound like overdrives, and most distortions sound like distortions.

You're really looking for that last 15% of tonal enhancement. On that note, grabbing a DS-1, SD-1 and TS-9 from eBay/Craislist, a soldering iron and some components might get you to where you want to be.