Yes, there is chance for USB, the PtP functionality exists (evidenced e.g. by the SX1 2.00h firmware update that includes a program to directly transfer the update to the camera), BUT it requires YOU to reverse-engineer it from the firmware, as that has not been done yet (or nobody has put it in public writing/code). Please do that, it would be great

As for understanding CHDK code, it is not that hard really (if you have some skill

). I myself had to first put it through a pretty printer (Artistic Style is very handy and free), but then understanding it is quite easy. The only thing I have missed a little more are explanations of some of the used firmware functions.
EDIT: Sorry, it is not guaranteed the USB PtP exists for all cameras, as Microfunguy hinted

. I was thinking too much about my camera only (SX1).