[2020] Does game load from my hard drive or download from the cloud?

Originally posted by Mytwo Centsworth: I'm not much of an asset hoarder and even switch off those I don't need for a specific map or city so they don't have to load.

It generally takes 3 to 8 minutes to load - my computer's not exactly a Formula 1. I'm just wondering how much of the game is on my hard drive, which should be a consistent load speed, and how much I have to pull down from the cloud every time, for which time can vary as everybody and their dog is doing Netflix on a Saturday night slowing down the internet as a whole.

All the game's files are stored on your hard drive. The only thing saved on the cloud would be your save games if you enabled that option, however, those are small files.