Lots and lots of folks find out the hard way that some plugins can really do a number on the latency during recording.
I certainly found that out before, as well, and it takes time and sometimes trial and error, to ferret out which plugins are not meant for use during tracking/recording.
Some web sites have published latency values for their various plugins, or it can be in the documentation that comes with a downloaded plugin. Look ahead processing is a term that indicates that some latency will be required for a given effect to do its thing. Other times, if the plugin doc/ad indicates it is a Mixing or Mastering plugin, it might be a clue that it will add latency. Convoluted reverb plugins can add latency, as well.
(edited to add) If not sure about a plugin's contribution to latency, sometimes I will do a quick search on the web, using the plugin name and the word latency. If that plugin does add a bunch of latency, there is a really good chance that someone has posted about it somewhere, and you can usually get a feel for that just from the snippets of content shown on the search results pages.
Bob Bone