Rimshot - I'm on Win 7, and I will probably upgrade, but not right away. The way I see it, Steinberg has over a year to get Win 10 drivers ready (in order for me to take advantage of MS's free offer), so if I end up with UR-44 I should be OK. I like Win 7.
My entire DAW career has been using a mixer into my sound card. I've never had to think about gain -- always had plenty. But I am hearing this "not enough gain" (and low headphone volume) thing about a lot of low cost interfaces, including both the ones I'm looking at. Thanks for the reminder. One more thing to hang me up.
MaxPower - I'll let you know what I think, if I can ever make up my mind!
Johnny V. - I saw your review and read your helpful "blurb."
Charlyg - You're a brave man.
Still leaning Steinberg, although the Win 10 driver issue gives me pause. I wonder how the existing driver would work...