I've never understood why it insists on loading every single inventory location every time.
It would work quicker one assumes if the game just loaded say the wardrobe and gobbie bag upon zoning or logging in. And didn't bother to load the others unless you actually attempted to look in them.
I can see the issue there of course, that if you're now in a battle and you attempt to access your satchel say for some extra meds, and you now have to wait 15 seconds for your satchel items to load before the swap to your gobbie bag with the meds. During which time you're severely deaded by the NM.
Suffice to say, there's definitely no reason for the game to be loading both of your mog safes + locker + storage thing every single time you zone. You can't even access those locations outside the Mog House.