I have to disagree in one point:
You can use the speed of external SSDs via USB 3 if you buy a UASP capable USB3 enclousure.
A Samsung 850 EVO SSD has read an write Speeds around 480 MB/s, so you can even use USB 3 for that.
But I agree with you, that if you use more HDs or SSDs in RAID mode, Thunderbolt would be the way to go.
But you always have to look at the specs of the Thunderbolt enclousures, because there are many out there that internally use cheap Serial-ATA Controllers, so you have no real benefit of thunderbolt at all.