Earlier quoted context omitted.
I was reading a bunch of these comments thinking "winmodems were terrible". Thanks for that. I remember carefully selecting modems. Most of the PCI modems in popular retail shops were winmodems so getting one that used the ISA bus was the first step. But even that was not the safest bet. Online shopping was nothing like it is today, so getting a known good model was more difficult.
The safest bet was to use external serial modems. Which usually meant Zyxel or USR, hence $$$. I remember having to settle on 28.8k USR Sportster (as opposed to the then already-common 33.6k - USR wouldn't fit the budget then).
Google images on those external ones from USR took me back a bit though. I didn't have one of those but I saw them.