I like you don't do any recording, and I ended up with the Steinberg UR22 for $149. It's built VERY solid, works great for my purposes.
The only annoyance is that sometimes I get USB conflicts (which I don't understand), so I have to restart my computer in order for Cubase to recognize it. But I don't think that has anything to do with the UR22, it's an unexplained problem with my computer.
Still, with all the USB peripherals that can come into play with DAW work (USB breath controller, for example), if I had it to do over again I might go with an internal card, which you suggested was your intent.
W 10 i5-9600K 64 GB
Synch - Woods, Brass, Perc I, Str Pro, Elt Str, Dua Str & Sordino, Prime
Studio - Woods, Perc, Solo Str, Ch Str, Orch Str, App Str, Harps, Choir
St Dim - Brass, Strings
VE Pro, MIR Pro 3D, Vienna Suite Pro
Cubase 14, St One 6, Dorico 5