As I've read on other threads, Kiel has a lot of buildings, friendly ships and just a lot of things to load in General.
How hot is your GPU and CPU when playing the game. Make sure you have fan settings turned up as when you enter Kiel and other ports things get a little toasty in there.
Also try turning down your settings when leaving and entering the port, then turn them back up when you are out of the area.
I am also not an expert at these problems, you are also more senior than me. But I am just giving some small tips that may help you.
Happy sinking!
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