The NIC won't affect SNR and consistency. Things that do in my experience:-
1. (worst).........BT's line and pickup from other lines/outside
interference. Not a lot you can do yourself, it's a BT job. Some master
sockets may not be wired up to best effect and this can cause a poor SNR.
Info at
http://yarwell.blogspot.com/2005/08/adsl-tweaking.html
2. Filter...........I've had several microfilters, borrowed several more,
used a BT ADSL faceplate, and the best by far is the adslnation XF-1e which
got me 3dB more signal and 6dB better SNR and a much clearer sounding phone.
3. House generated interference.........Mains AC2DC adapters are terrible
for radiating rubbish, they never use snubbers or decent diodes so there is
loads of radio frequency stuff being sent down the DC cable which acts as an
aerial. It doesn't even have to be the mains adapter that's powering your
router or wireless phone to cause problems. Try plugging adapters into
different sockets, ferrite rings on the DC lead, or swap with different
compatible adapters.