I know you are having issues at those settings - I was only posting those because it seems like something is interfering with running at those settings, and maybe between us all we can get you sorted out, so that you CAN run at those settings (caps for emphasis only, not tone). :)
Also, yes the latency will double when you run at say 256 for an ASIO Buffer Size, and a sample rate of 96 k and then drop the sample rate to 48 k. That is because it also involves the ASIO Buffer Size - so if you lower the sample rate to 48 k, you should consider also lowering the ASIO Buffer Size - to 128, to maintain comparative latency to what you had at 96 k and 256.
I TRULY believe there is a way to get this all worked out, as for most folks it does end up getting worked out, so I think it is a matter of just working with it and doing so despite massive frustration. (I also hope I am not frustrating you with anything I post).
If you run LatencyMon without Sonar running, and with your Wi-Fi adapter functioning/enabled, it should give you a good idea of where bottlenecks are on your system. My thinking is indeed that the Wi-Fi adapter/drivers are part of the issue, and that should be confirmed through running LatencyMon for a few minutes.
If it does show the Wi-Fi being an issue, then I would suggest an additional test of running LatencyMon for a few minutes, this time also without Sonar running, and with the Wi-Fi adapter/drivers either physically turned off or disabled through Windows Device Manager.
At that point, if LatencyMon thinks things are OK with performance for streaming audio, then I would try running Sonar with the 48 K and ASIO Buffer Size of 128, and 24-bit recording bit-depth, to see if that addressed the problem.
All of the above is doable in a pretty short amount of time, and at the end of it all, should you end up with decent performance and latency with the Wi-Fi disabled during Sonar sessions, you would just then make the process to disable Wi-Fi immediately prior to launching Sonar, then launch and go through your Sonar session, then after closing Sonar simply enable the Wi-Fi again to regain internet access.
I hope any of the above helps,
Bob Bone