some folks have been really impressed w/ reaper for software, mac os users as well. i think this is a way better suggestion than cubase le. a good $40.00 spent.
link:
http://www.cockos.com/reaper/download.php
if you are limited by the processing power of your computer 24 bit 96k might be asking a lot, especially if a high track count or lots of plug ins apply...i still use 24 bit 44.1k a lot of the time. expirement with your system, the higher sampling rate, the better...but also the cpu useage/storage space is to be considered!
vocal mics = a different opinion to whom you ask. i have made vocal recordings with a shure beta 58 that suited things fine, not my recording but an exercise in application (
http://www.youtube.com/watch?v=fVPQjuDVYHk). it seems like you are trying to get as many miles per purchase so, assuming this: a shure sm7 (voice, bass guitar, electric gtr, floor tom, many horns), i would apply this to an electro voice r/e 20, and beyer m88. these are great mics that hold resale and interest. a beta 58 works as a snare mic (top) gtr cabs, many horns, bass gtr cab, room mic for 1/2 the cost or less of those mentioned above. plus it has a manageable output (good in recording in the world of digital) and a high spl.
many low cost LDC type vocal mics have a limited spl, high output, and uncomfortable high freq. response. i have found all of these as truths through practice.
a/d converters and a good clock make things, lots right. check out
www.blacklionaudio.com get something they can mod when you get the scratch. you will learn a lot from it, listening.
the very least, to compliment your source, mic, cable, preamp, converter... get a good all around preamp. 2 channels if you can. you'll save loads on eq and tinkering with the track. i do not have a real good low cost suggestion that applies to everything, without a DIY buildup, regarding preamps.
the ART PRO VLA is a decent comp. find a used one, some really simple mods make it lots "better." the rnc does not handle low freq. very well in my situations...good for room mics, guitars, vocals...
use what you have! so many have made great recordings with less! god luck.
n.