That's what it looked like for me before I bought a new CPU..
I play with a radeon 4850 HD too and have solid frame rate even in the crowded cities.
Before, I played with a 2ghz dual core (load was constantly 90-99%) so I upgraded to an i7 quad core at 3ghz . Now the character models load before I even reach the area they are in (and the game runs better in many many ways)
oh.. I also upgraded my RAM from 2gig to 4. (DDR3)
graphical mumbo jumbo:
It shouldn't be server lag. since all it has to get from the server is the actual position of the character (X,Y,Z values combined with direction and a couple bits of information for what gear you are wearing and current state of action). all the model/texture information is on your hard drive in the DAT files.. so we can deduct: the information is taken from your HDD (doubt this is a bottleneck) sent to your processor to be computed like everything else in the game, while the GPU works on rendering the character models and textures on your screen every single frame.
Either your CPU can't handle the stream of data and stacks the information in a queue to be processed once threads become available or your GPU doesn't have enough memory to process all the textures in a fast enough pace. Since I can vouch for the GPU, I must say its your CPU that is lacking in some way. Have you checked what your load looks like while playing? how many of your cores are busy etc? Make sure its not a software issue, something interfering/taking processor power from FFXIV.
afterthought: what is your internet connection? even if your connection is stable (green R and S), if your speed is too low it might take time for your computer to get all the data it needs from the server. But this shouldn't be a problem unless you are playing with wireless, crappy ADSL or a combination of both.
Edited, Oct 6th 2010 10:31am by GusMorgan
My current configuration is..
Processor : Intel Core 2 Quad Q8200 @ 2333 MHz
Physical Memory : 6144 MB (3 x 2048 DDR2-SDRAM)
Video Card : ASUS EAH4850 (ATI Radeon HD 4850) 512 DDR3
Hard Disk: Seagate Barracuda 7200.11 750GB
Operating System : Windows Vista Home Premium (x64)
DirectX : Version 11.00
Connection: D5.23 Mbps / U:0.41 Mbps Ping:29 (Tested on closest server using speedtest.com..)
I've checked my CPU load during gameplay.. all of the 4 cores are active but the load is usually in the 60s% and doesn't get higher peaks than 77%..
The only thing that worries me is the CPU temperature.. on load it reaches the max temp which is 71°C.. but I don't know if that could affect loading..
Furthermore.. when I began playing the beta they were loading normally.. and also once after upgrading my vcard driver.. that though lasted for one day alone and went back to the situation I still have today...
[ffxivsig]1810107[/ffxivsig] | I still believe in FFXIV...
My name is pronounced "kai-neh" actually.. and yes, it is feminine..