You’re always gonna connect XLR over USB anyway, so not really. It’s just that XLR gives you a lot more flexibility to change microphones, use your interface to control gain or add padding, or if you’re a musician record instruments. But a USB AT2020 or similar is gonna be excellent for calls no matter what.
This is not true. USB microphones do not have as high quality as XLR microphones connected to a usb interface. In general, USB mics have a lower signal to noise ratio (SNR) and a higher noise floor.
Does this matter for gaming or calls? Not really, as it will definitely sound better than crappy laptop or headphone mics. But there is a marked difference. The AT2020 usb mic doesn't even go up to 20khz. Not to mention the A-D conversion from a dedicated unit and the mic preamp are going to be better than the onboard electronics of a usb mic.
In nearly every case, a dedicated usb interface is going to have better quality ADC and mic preamps. High-quality sound cards are not prioritized by consumers, so they remain rather poor quality in most laptops and pcs. Even something like a focusrite scarlett is going to improve the signal chain immensely (plus you get the added bonus of a decent DAC as well).
Probably less static, lower noise floor, more tonal and full sound. I've used both and I obviously prefer XLR but it probably doesn't make any difference for casual use.