I've never actually used Ghee but I would like to if I come across a BIR style recipe for curry that people rate. However, there has been a fair amount of discussion on the forum about this and I think the general consensus is that BIR curries have little or no Ghee in them, probably due to cost. I remember someone saying that if you keep your chicken madras takeout overnight, it doesn't have any saturated fat solidified on the top - just a pool of oil.
I eat far too much salt as it is, and I really don't think curry is where I should try and cut down. Less crisps, processed foods and salting to taste with the salt shaker would all be of greater benefit.
I also use lots of oil. I've tried using less and the curries are terrible by comparison.
I think to make a good BIR style curry, you need plenty oil and the right amount of salt. I don't think that the optimum amount of salt for full flavour is excessive. As I've said, I'm sure there are far worse things to be eating. As far as oil goes... well I use sunflower oil in fairly large quantities (I am not really aware of the health issues) and just consider it a necessary evil.