Unscientifically, Lord of the Rings Online takes the longest to load on my system of any MMO. It seems I am not alone. One big problem is the fragmentation of the internal file system. Turbine just released a beta internal defragger for Lord of the Rings Online. Read all the warnings and problems to be safe, but apart from using SSD or a large USB drive to load the MMO, this should help speed things up.