I bought an internal 6-in-1 from Newegg for $22 shipped. I seem to recall it being advertised as USB 1.1, but is actually 2.0. Anyway, it's nice because it comes with a cable that adapts it for external use, and requires no drivers for ME, 2K, or XP. I haven't had it long enough to discuss long-term reliability. It serves my 1.1 world well, as I can back up my 128MB SD and 128MB CF cards in under a minute.
In any event, with regard to the original question, I doubt you'll notice much difference based on what I've read. But I guess you'll be better off spending just a few more dollars to be sure you're on the leading edge of technology.