Improving Load Times
A lot of people are having loading issues where loading into a Danger Zone or town will take a long time. Loading from SSD or HDD will not make a huge difference. The difference comes from graphics settings.
The most taxing settings in order are: Light map quality, Texture buffer, and Objects drawn.
Turning off light map quality will significantly increase load times to the point where the loading bar doesn't stop moving. If you don't want to suffer from bad graphics, setting it to low will make the game look better at the cost of a slightly slower load time.
Texture buffer should be set to 1/2 size if you have light map quality on. Turning off light map quality, texture buffer can be set to full size without any impact.
Objects drawn should be set to at least medium. This seems to be the threshold where some objects will not draw, making you miss details. The difference between the medium and high settings are fairly minimal, and will not impact load times as much as light map quality.
Every other setting can be tuned to your own liking as they do not impact load times.