I have the MI plug-n working, but I don't get on with it all that well tbh. It's never felt 100% stable.
The official Virus plug-in is very well laid-out and easy to navigate. I just wish we could have it as a stand-alone editor application. Using the analogue outputs is no problem and stops most of the latency issues too.
Maybe check out The CTRLR virus TI panel then. It only allows for single mode but at least it gives you the same GUI as the Access Virus plugin.
For me the MI plugin works fine. Even though you are right, it never feels 100% stable, but all I care about is that my patches are saved within my project files. It does that (99% of the time) so for me it's the best solution at this time.
I agree with your last point. Just give us an updated Virus plugin. Doesn't have to be that advanced. Audio via Analog is perfectly fine. I do not care about audio via USB.