@Bethesda
Loading onto the server tales a little while. Just by observation, it appears that we drop into the world, then gear, weapons, armor, and the cap are slowly built around the character.
There's a period of about 30 seconds to a minute in which players can see around them, but not act.
There ought to be a trigger that keeps enemies from "seeing" players until they are fully loaded. Often players load without armor being fully equipped, so it's kind of a nuisance to load and find oneself already being attacked when the load completes.
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