So they premature optimized for a wrong case.

> multi minute load times

23Gb / 100mb / 60s = 3.92m

So in the worst case when everything is loaded at once (how on a system with < 32Gb RAM?) it takes 4 minutes.

Considering GTA whatever version could sit for 15 minutes at the loading screen because nobody bothered to check why - the industry could really say not to bother.