A disconnected recordset is an object with properties and methods explicitly tailored to handling data. It should be quite speedy once it has its data.
Using a Collection, you sort of have to redesign the wheel, so to speak. Memory usage probably doesn't matter much, that goes on kind of 'under the hood.' You don't need to know much about how an engine runs to drive a car.
I would expect using a collection to be more error-prone, take maybe 5 times as long to write the code, and I would expect it to be slow.
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