Eleven

Especially when you are trying to get gold on a race / etc. For story missions it's not so bad.

They are pretty bad... let's hope that like Wipeout 2048, there may be some optimizations they can work into a patch. It's really puzzling how they have to go to an all-black loading screen just to take you to a feature in a part of town you're already in.

Also, this isn't a real criticism, but... try walking up to someone working at a stall, then go to first person mode, and slowly look up... I find when the bottom of the screen hits their waist or chest, they disappear.