Hmm, since it's loading problems, it sounds like your HDD is about to go then as the rest of your specs are fine for the game. Have you considered opting for a SSD (Solid State Drive)? A SSD will be FAR faster and more energy efficient than your old HDD's you have. I would suggest a small 120GB for Windows only and the other (a 240GB+) for your games. It could be a combination of both your HDD's that are beginning to show their age. Have you tried installing FFXIV on another drive to see if that was the issue? Does this loading issue affect FFXIV only or does it affect any other games you have? It could be Windows that's also causing this, when was the last time your installed/re-installed Windows?

If you do buy a SSD, you can use a cloning program if you want o preserve everything you currently have without needing to reinstall Windows.