You spend so much time in this game waiting for stuff compared to modern titles it’s just become part of the experience. Waiting for your character to load every time you zone, waiting for your gear to load after zoning, waiting for the auction house list to load, running away from a conflux or similar interactive item because it DIDN’T load.. (hai 2 u sinister reign entry thingy), waiting for the pol viewer, getting stun locked by animations because you dared to draw your weapon at the same time a bunch of mobs decided to cast spells on you….
The whole game shows it’s age. Compare it to modern titles like 14 where you don’t even have zone loading delays and the infrastructure issues are obvious. It’s still (mostly) fine because the inconveniences are pretty minor. It’s bad but it doesn’t make the game unplayable. Not like the god awful lag the NA client had when oddy Gaol mobs first came out. THAT made the game LITERALLY unplayable.
Edit: I will add that I agree on the account setup being total crap. Just getting your login sorted is a bigger hassle than it has any right to be. Even for it’s time it was bad, but for a modern title it’s horrid.