After discussing with support, it actually seems worse than I had feared.  For some reason USAA is no longer supported for Bank Feeds in the 2024 Desktop version and USAA itself no longer offers qbo downloads, so there really is no way to use bank feeds with USAA anymore (this despite what the Bank Feeds Financial Institution list says).

Every single year the price of Quickbooks goes up astronomically and every single year features are removed - Loan Manager, support for certain bank feeds.  It's getting truly out of hand.

At the end of my support call, the agent tried to get me to switch to the online version - you know, so I can pay Intuit even more money.  Let's just say that I declined his offer.