Quarrymill I can see having an issue considering it doesn't even load all the names of people due to the mass standing on top of the Palace NPC....a bunch of who aren't even queuing for anything, some AFK, and others just doing who knows what.

Personally, I try and log out somewhere I know won't be super congested when I get back on(housing wards, random sanctuary town out in the world, etc) just to cut down on load time, and chance of being disconnected(which rarely happens I find on PS4).