It seems the PCI devices all have the antenna attached to the rear plate of the PCI card which seems a terrible place for an antenna interference, blockage and breakage wise.  The USB adapter type which generally looks like a jump drive usually includes a cable so you can place the unit to improve reception/transmission probably have a less effective antenna.

Does anyone have experience using both that could provide insight which is better and why?

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"The liberties of a people never were, nor ever will be, secure, when the transactions of their rulers may be concealed from them."

Patrick Henry quote