So... is there any real reason not to pick up the hot, green-eyed redhead in the beginning?
Aside from that burning question, lag was the slightest of factors for me - and I live out in the boondocks, so I think it has nothing to do with load time, and a lot to do with what kind of computer is being run. Even that aside, I think that the code could be cleaned up a bit, to release some overused memory.
Earnestly, I think that the game could use a little something extra - not anything that neccessarily affects the game, but something that adds to appeal - like a side-quest or a mini-game.