You are just not doing it right.
A GOOD USB interface will give perfectly acceptable latency.
But the emphasis is on GOOD.
And sorry, but n0rd is right - you get what you pay for.
If you want near perfect latency performance, you either monitor directly off your input and forgo hearing the signal with effects, or you buy a really good expensive interface and run it on a really good expensive computer.
End of.
I use a PCI card, RME9652HDS,P in my main studio machine and get round trip of something ridiculously low, either way latency is no longer an issue.
When I am away from home I use a Focusrite Saffire6 USB1.1 interface into a Pentium Dual Core with 2gb of ram.
With this rig I CAN get acceptable performance with live recorded instruments, but not if I start burying the computer in hungry VSTi first.
My method is to slap down a basic EZD based drum track and then record all the other "LIVE" instruments before adding any more MIDI/VSTi based stuff.
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