When did it become OK to use USB2 for Audio?

RME are the only ones that come close to firewire performance.
If you look at :
http://forum.dawbench.com/showthread.php?1801-DAWbench-Universal-Suite-Results-Database-In-Progress&s=5aee081b828c033abab9cae85e1f6f63

Scroll down to DAWbench Low Latency Performance Rating

Many newer interfaces like steinbergs own units, have DSP direct monitoring with FX. or in case of the UR22 a simple mix knob you can turn to mix the playback and input. However low latency VSTi is still an issue depending on how sensitive you are.