The maximum memory for memory play is 1 GB. After 256MB it checks against available memory to avoid using swap. Only one track is tread into memory at a time. The track is loaded at the end of a track and during the gap. So, unless you have a track larger than 1 GB, there is no disk activity during the playing of that track.
If you are using async USB, the jitter is controlled by the USB device, not the PC, assuming the PC can keep the buffer full. If it cannot, then there are real problems.
Try it and see, but most people do not hear any difference. The real key is to minimize the other activity on the system.