I must add that for sure you are right ... Any high end system will operate from a file bank in a dac not from the computer...Once this is said ...
My point is that at low cost an audiophile experience is possible even from a USB connection from the computer ...😁
The electrical noise floor level of the house for example can be also a factor more impactful than the computer noise... The speakers resonance can also be way more impactful ... The room acoustic can be way way more negative too ... Each case differ ...many factors are at play ...
My USB computer connection is not ideal but the acoustic experience is so good already i cannot even think of upgrading it ...
I can’t think of why anyone interested in high end audio would want to have anything to do with USB. It was brought on board because of the PC. No high end system should have a computer in the loop… hence no use for it.