Model loading changes?

I assume the lag/latency/delay I'm getting is from the fact that the game is trying to load hundreds of player characters, monsters, and NPCs all at once. A change in the way this works would be helpful. Perhaps loading NPCs/Monsters as a priority? I wouldn't know how to go about that on the technical side...

Or an option to limit the number of player-characters that appear on your screen so that NPCs and monsters have a chance to load? It's very frustrating that the player congestion is preventing me from doing any FATEs or Leves or just normal quests in general.

My hardware is above the minimum requirements as well, and I have all my graphics settings on the lowest so... :/