So I have a gap in what I am able to suggest to those starting out. Granted, my system is not a typical off the shelf PC, and my interfaces likely have better performance than the lower priced stuff, but is that really that big of a difference between a interface with higher latency drivers and the system it is running on? I have never had such an issue myself though when I decided to do this at home (after experience in other digital based studios), I went with a more powerful system than some would likely go with.
So, if you are recording a track using direct monitoring from any interface, are you still not having to perform to the DAW's output? I assume that gets rid of any latency while recording, but at the expense of not being able to have effects in monitoring without DSP ability or just hearing the mix from DAW output? I personally do not understand how that even works. I am curious about how and why it is recommended for those new to recording to use the 'Direct monitoring' ability of an audio interface.