Agree with OP.
An PCIe ASIC card would be sick, I would buy for sure.
Let's assume that Chinese engineers can take one of the boards with ASIC chips and make it compatible with a PC via a PCIe interface. The ASIC uses powerful fans to cool the chips. Will you turn your PC into a noisy monster?
Such a board will economically lose to ASICs.
None of that applies to using ASICs in a custom system vs using ASICS with a PCie (or USB) interface in a commodity system. ASiCs are ASICs no matter how they are used.