well, as for the login I just got lucky I guess...

As for the actual ingame loading, I logued out in ruby sea, near the kugane entrace knowing everyone will be in the ferry skipper NPC so my game can load faster. So all I have to do is to go to one loading screen to kugane. It is worse? no its not because the game prioritize logued players over logging players to enter an area, so I got into kugane in no time, got into the ferry skippe, choose m ward and bought the house.