If you can't afford a New B3, the next step down is the XK System, not the XB3/XC3. The New B3 and the XK System (aka XK3) use the exact same VASE III sound engine, the only difference is, the New B3 has the multi-contact keyboard. So really, if you have the XK System, you're just using a smaller version of the New B3.
If you're going for the B3 look but don't want to pay so much for the New B3, you can spend a whole lot less on the XK System. The XK System consists of the XK-3 keyboard - $1775, the XLK-3 (lower manual) in the traditional style cabinet - $1525, the traditional style XK stand - $550, and finally 25 note pedalboard - $1525 (I believe the pedalboard comes with an already attached EXP-100F expression pedal). That totals to $5375. You'll probably spend anywhere from $5500 to $5600 total when you include the shipping fee's.
You won't find these prices from places like Zzounds or Musiciansfriend. These are prices I got from ToneWheel General Hospital.