Yeah, not sure why I'd ever buy those "groudloop isolators" that may not even work, but more importantly, waste my time with another thing to plug in when I can just use reliable old Toslink? (Which is what I do btw on my RME DAC, WASAPI over Toslink also behaves differently than ASIO drivers over USB, to where each sample-rate is handled like a separate device, I can go into detail why this is annoying if you want) Clock/jitter concerns are so rare, in the same respect of rare USB issues, so I'm not sure why you felt the need to tell me this, you asked why use Optical, I explained the potential benefits like immune to interference along the transmission line, do you want a tit for tat comparison where I go down the list of pro's and con's for both since it seems like you want to cover the USB side of things that no one solicited?
As for plug n play due to MS's detection of installed devices, and "not natively built into the OS".. the distinction is pertinent to the discussion how exactly? What I meant was that functionality (of detection and then loading up certain default drivers) was a part of the OS's functionality.
I'm not sure what it is you want at this point. Are you trying to transition the conversation into something else besides your initial questions of what OP was referring to, and what precisely is it you wish further from me?