4Gb of ram is not enough for SH5 as you should be looking at 8Gb.
Some of the SH5 mods can be high on resources.
Your mod list looks ok
Have you turned down the 'Graphics' in 'Game Play Options?'
Check out Sobers snapshot as he plays at a high level so you do not want Sextants, Dive Planes, Real Navigation etc enabled.
Ram is not expensive, so I would look to upgrade this when you are able to do so.
If it gets really bad switch to SH4 until you can afford to upgrade.
Sh4 will cope well with your 4Gb
I play both Sh4 and Sh5.
You have the option to play German or American in SH4
Peter
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