Only time I had an issue with USB soundcards was when I had a Creative Live card from about six years ago and Windows XP. I've had 0 problems with Windows 7 and a different manufacturer. USB audio has gotten a lot better.
I use this $20 Turtle Beach card, with foobar and WASAPI - works perfectly. http://www.amazon.com/Turtle-Beach-Advantage-Digital-Adapter/dp/B0036VO4X4/ref=sr_1_1?s=electronics&ie=UTF8&qid=1325016872&sr=1-1
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