Load times are system dependent -- I have a fairly nice machine and my load times are negligable.
The fifth element in the tower is found by visiting the sewer's staircase where the succubus was hiding... Keep heading up the stairs from there and you'll come out into the top of a tower. If you follow a catwalk bridge across to an adjacent tower then you'll discover D'Soto in his chamber as a ghost (moaning and complaining). There is a chest inside his room that contains "The Fifth... Element!"
-EH
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