You did say typically.
1. only using them for express service
this restricts their flexibility. In SEPTA world there aren't many expresses. That paragon of railroading perfection, Metro North, runs many more and longer expresses on lines whose stations are typically a lot further apart than SEPTA's. How much of their fleet's locomotive hauled?
2. fewer motors to inspect
that's the only thing that looks to me to be a recurring savings. But that's bigger motors which undergo more stress than mu's smaller motors that typically need only be big enough and suffer wear and tear to move 1 car.
If you want fewer motors why not have motor-trailer combinations, like the Lackawanna electrics?
3. lower cost/passenger to procure
that's what I meant when I said "short term easy to get"
4. and operate
I'm not sure about that. Doesn't it depend on if you restrict them to expresses, as you mentioned above, and which SEPTA pretty much does, but other properties, like NJT, don't? Every penny you save in operating only as express you can wind up losing each time you wind up needing to use them as locals.
And add in some expenses because parts, mechanical expertise, shop facilities appropriate for locomotive and coaches might not be appropriate for mu's and vice versa. Even yards and station platforms can be a problem, 8 cars and a locomotive don't fit in the same place 8 mu's do.