When loading why does the program take so long between 18% and 24%

OK, but 22GB is still a weird number.
Did you mean 24GB? Even with that you could be running into problems.

If your memory usage exceeds 24GB, Windows will start using a page file, which is (forgive me if you already know this) virtual memory located on a physical storage drive. If the sim is paging data you will definitely have major performance issues.

What is your exact RAM configuration? I have 2x32GB. Others have 2x24GB, or 2x16GB. It’s possible (though not recommended) to use three DIMM’s, like 3x8GB. Less than 32GB total is not optimal.