Misinformation is floating around here!
Ham licenses are limited to ham radio operations ONLY, on ham frequencies ONLY. On the amateur radio (ham) channels, you can't run tactical ops, you can't do business, you can't hunt deer, and you absolutely can't run encryption or use any codes that serve to obscure the meaning of the transmission. Essentially a ham license is for communicating only with other ham radio operators.
The frequencies that encryption can be used on are many of the VHF (136 to 174 MHz) and UHF (450 to 520 MHz) commercial channel allocations, most of which have to be individually licensed for you to operate on. There are some itinerant business (in both VHF and UHF) channels that are quick and easy to get licensed on, and the VHF MURS channels require no licenses.
As for radio costs...all the radios I've mentioned could cost as much as four thousand dollars new, when they were current production of course. Maybe even a little more with the right options. Used market value on the old MX's is down under a hundred bucks a radio on average. Sabers go for 100 to 400 these days, depending on features. I'd recommend them. Astro Sabers and XTS series radios are current technology, and I just recently sold my last ones because I wasn't using them. They easily can cost 4000 dollars fully loaded. Used market price starts at about 800 bucks for a basic model with no keypad, no display, and a max of just 32 (Astro Saber) or 48 (XTS) channels. Loaded models can bring near 2000 bucks a pop even on ebay. They do EVERYTHING, practically.
I'm completely set up and legal for programming most of these radios, by the way. I bought the software directly from Motorola, and it wasn't particularly cheap but they send me new updated versions on a regular basis.
Motorola WILL sell encrypted radios to the public, but you have to get in touch with a state level Motorola sales rep to get them. The local radio shops don't have access to those product lines.
CJ