USB is indeed slower than firewire regardless of the difference in their theoretical data rates. The actual data rate isn't that important for most devices however, with USB still having enough real world bandwidth for 24 or maybee more channels of 24/96 audio. The real problem is latency. For whatever reason which I don't understand enough about to explain properly (inefficient system with cpu controlling everything), USB devices to date have never managed to get close to the round trip latency of firewire devices.
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