No issues here. From what I've experienced over the years, most slow downs are related to the users computer. If I try and do much soon after booting up the virus scan is running, other times it doing updates.
When I worked for a living, things would slow down at SOD and EOD, I always suspected folks were shopping, reading mail and so forth at those times. No such thing from home.
It's usually due to network issues. When you're typing on a forum like this it's different than typing say on a native application sitting on your own hard drive. So the key response looks much different when there is a slow down or congestion on the node you're running on. More common now thanks to all the people on the internet
So, no, not everything is a complete round trip to/from the host.