This is one example post for the usb 2 PCI card:
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I noticed that this card uses the Ali chipset. I have read in other posts where people had trouble with this one. So I'll recommend one with via chipset
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This one is an example for an external usb enclosure post:
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This is a widespread, generic design - most commonly seen under the Bytecc brand name. It uses the ALi chipset, which many aren't a fan of. But the higher number of problem reports may be just due to the ALi chipset being more prevalent. It's cheap - it goes into cheap enclosures.
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Does these excerpts help clarify my issue?
Thanks!