http://www.capcom-unity.com/brelston/blog/2012/03/05/street_fighter_x_tekken:_12_new_characters_coming_to_consoles,_pc_this_fall
Capcom "addresses" why the content is on-disc. Of course, they don't say anything about how complete these characters are, which leads me to believe the answer to that is, at the very least, "mostly."
Sucks, but it's their game, so I suppose they can charge what they like for it. The product is still worth the money to me, even if giving the money to Capcom leaves a bad taste in my mouth.
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SuperNiceDog won the Guru contest. Good job.