Hi Kelly,
I still think we should be comparing:
1. A form with qRules injected
2. A form with custom code.
A new form, with no code (like the one you're describing), won't go thru the sandbox service, where as the two options above will.
Another thing to check is the postback settings on your form controls. These should be set to Always only when absolutely necessary. The more controls have Postback=Always, the slower the form.