For crowd lag try checking if your 'object distance' and 'crowd quality' options can improve it when tuned.
Object distance is fine in ultrahigh while on quests but if it gives you lag on public or big areas like the market and the sub then may want to turn it on and off as needed.
Crowd quality helps on public areas near crowded spots like the bank, auctioneer, mailbox, cannith devices, etc.
Also, it may add up to the inventory loading lag so try log out at some clear spot and not right at the banker, specially at the crafting hall.
Naturally, these things only apply if you confirm it is an issue for you (after trying tweaking the settings).
Remember some people may or not get certain kinds of lag so no need to dismiss issues if you don't have them.