There are already cyberwares that don't cost 20k+, just see the listings at any clinic.
The idea of cheaper cyberware is not new and I am pretty sure there is thread in this section somewhere with a in-depth conversation about that. Where they suggested making them give you negatives to your stats and a larger PDS cost.
As for the actual cybernetic limbs, the price and PDS makes a lot of sense. Think about it, think about the other chrome in the game, a full arm or leg is bigger and clunkier than pretty much anything else out there. That's why its expensive, that's why it has a big PDS cost. (They can literally cost you a leg or an arm, pun intended)
IMO this doesn't need a tweak in that respect, maybe adding some mechanical features would make players think that this is a more worthwhile investment.
Jumping off a building because you got maimed is poor form, gamey and lacks RP. You don't want to struggle? This whole game is about struggle or it should be anyways.
I've seen a few people dealt with maiming in extraordinary creative ways, but I feel the majority of players don't want to feel 'diminished' or 'hindered' permanently.