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I do the same with VFP as well and it works great (especially with VFP's OO capabilities). VB however allows me to move all business logic out of the UI into early bound DLLs. The UI thus becomes very despensible or interchangable. I have not tried this with VFP because I assume that late binding would perform poorly under such circumstances.
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You're correct. Early binding takes care of a good deal of compiling early on, and so it can bypass it later on at run-time. If you are creating and destroying groups of objects frequently, all other things being equal, you will notice a difference -- but the "all other things being equal" piece is important -- given how quick VFP is with data access and manipulation, and text manipulation, all other things are not usually so equal! If you are using MTS or a connection manager, things are even murkier!

I also code a good deal in VFP and had really hoped that VFP would get early binding in 7.0. But from all accounts I've heard so far, it's not the case. Urrgghhh.