It's not lag, because they NPC enemies fall to civilian NPC weapons, but I can stand in front of them with an M60 and fill them with 100 rounds and their bar doesn't drop a spec. Whats with this? Not so fun to play like that.
And load times... I can start it loading, take a shower and feed the dogs and it still isn't ready to play. I find it hard to believe you can't get it right the first time - EVER!!!
Load times should not be that bad. Is your anti-virus slowing it down? Check if your connection is good. There are many variables.
Both the enemy and civilian NPCs are on the server so there is no lag there; however, you are shooting from client side. This game is an online game.
I know how you feel. It's like being in a bad dream. The monsters come at you and you fight back yet they continue laughing, it's like you're waving no more than a paper gun in their face.