I think embedded fonts make a big difference, and did find it a frustrating thing that my kobo didn't display them (well, it *did* display them, but only after a lot of frigging with Calibre - that program does crazy shtuff to the css if your not careful!)
Anywho, Having got the fonts to work on the kobo (such as Charis in the Millenium books - and about half the other books I have, popular font that) I can confirm that there was ab-sol-ut-ly no performance 'issues' using the embedded fonts, none at all.
But I will say that (after giving up on the promised firmware update - a week before it arrived!) It is nice that my new PRS-650 just displays the fonts, no mucking about with code etc.
..and again *no* speed issues, it just powers along no bother.
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