yeah i think the usb adapters do have lower reliability, but they're pretty cheap, and I've used them on 3 different computers for a while. If they don't die soon after purchase, they tend to last an ok amount of time. I've had 2 of them die. One ran pretty hot to the touch and didn't last very long, possibly because it was slightly bent and was tiny to begin with. The other was a many year old premiertek that ran warmish. It was a high gain, high transmit power cheap adapter with 5dBI antenna.
http://www.premiertek.net/products/networking/PL-H5DN-3070-RF.html
That said, I've never had a pci wireless card die on me. Still have an old 802.11B card sitting in the closet :S.
My main PC is using a pci wifi card atm. It gets worse signal than the n600 i was using before. It was a desk/top of pc style with 2 antennas. I replaced it because I move the PC to the TV a few times a month, and it's never too far from the router. It decreases the things I have to unplug and move.
edit: wow a lot of us using the dual band rosewill n600 o_o hah.