USB DAC or USB to SPDIF conv. + non USB DAC?

The only digital out from my PC is USB. It is my understanding that a USB connection will limit the sample to 44.1 or 48Hz (correct?) So, Im thinking of getting a USB to SPDIF converter (like the HagUsb) plus a non-USB DAC (like the Lite NOS AH DAC).

Does this make sense?

Mike19