I'm a longtime Xbox Series X user, but my better half just bought the game to play on her PC. She bought it and runs it through the Xbox app, which I've heard countless people complain about during the years I've played the game with friends on mixed platforms—so maybe that's it. But in case it isn't, just figured it wouldn't hurt to ask.
Her game takes ages to load, I'm often just sitting there with the ship fully stocked, the entire outpost already wiped clean, while she's still waiting on the loading screens. Resetting the app sometimes fixes it, but I've seen her run into weird problems like her pirate not loading into the main menu, or even the Pirate Lord being missing in the Maiden Voyage. Once we get the thing working, it works fine the entire time. No problems whatsoever. But it seems to be a consistent issue at the start three out of four times.
