I was just correcting the statement about Focusrite requiring a DAW.I suppose that's a correct statement, but without a DAW it has no more functionality than the Yamaha or the Vox Amplug, costs $50 more and has to be connected to your laptop or another power source.
Also correct that the Focusrite comes with free 'lite' software. Audacity is free, too. All the software, free or not, takes more than a little time to learn.
If the OP only wants to listen to himself play through headphones over recorded music, I don't see why he'd want the more expensive, more complicated solution. If he wants to record himself at some point as he suggests, of course the USB interface is the way to go. The Yamaha and Vox devices cannot record.
I'm not bashing Focusrite or Reaper at all. They're both excellent products that I own, use and like.
I think others have stated that scope-creep happens where one day all you want to do is one thing, and then at some later date you want to do other things. That’s reasonable.
I use Windows media player, iTunes, song surgeon, Jriver, and perhaps a few other music apps for various reasons when I play along using a Focusrite interface. I sometimes use just a direct bass signal, and sometimes use an external preamp, or software such as amplitube. Sometimes I play along with a drum program. None of it is complicated.
And sometimes I record along with music in a free DAW, like Pro Tools First:
That was simple too.
It’s worth a few extra bucks to be a little future-proof.