I haven’t seen a USB 2.0 drive in 15 or so years. So I’d say you’re pretty safe… And even if that were the case, it’s still preferable vs hogging the connection for a single file.

USB transfer only affects you with slow speeds until the transfer is done. Network transfer affects the entire party with slow speeds until the transfer is done.

It’s the obvious choice if you’re having saturation issues, even at 2.0 speeds.