I'm wondering if this is a driver issue? I switched things up, letting Proxmox handle the adaptors, and just sharing them with the VM using a Linux Bridge and VirtIO, rather than using USB passthrough, and iperf now shows full speed. So I guess that's a solution, though OPNSense showing the interfaces as always up and 10Mbps bugs my sensibilities (and may cause issues with things like High Availability if the interface is really down?). I am under the impression this is "normal" for VirtIO devices, however.