I have loaded two 3D Studio (.3DS) files from the Internet. They have similar size, but one of them loads in Rhino 7.2 much slower than the other. These files are similar - they are made entirely of meshes, so their loading time should also be similar. During the loading my old laptop did not consume much CPU RAM or video RAM. Apparently one CPU core was doing all the work.
Ford F150 pickup truck model loads in 3 seconds. file size = 13MB. source: https://archive3d.net/?a=download&id=6224dc81
Semi truck with trailer model loads in 126 seconds. file size = 16MB. source: https://archive3d.net/?a=download&id=f91846f1
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Trench mortar model also loads slowly - in 2 minutes. file size = 28MB. source: https://archive3d.net/?a=download&id=1cd052e4