@personalc0ffee I am on Xbox One X, so I don't know the stats. But I will say, even just first loading into the game is slower. At least it is to the point of getting to the first menu where you select ship/crew type. I get stuck on "Enlisting Pirate" all the time, and the time it takes to load past that changes each time I log in. Yesterday it took well over 20 seconds from the time I actually started counting before it loaded. And I didn't start counting right away.
Re-spawning on ship is horrible. Especially if you are in the middle of anything, PvP, skelly ships, meg, kraken, anything. This seems to be true whether it is from the ferry or from a mermaid.
As for rubber banding. I do notice that it seems to happen more often, though I would say only slightly more than before.
Generally, when I see the rubber banding, it is usually when there is a lot going on in close proximity to where I am at that time.
I know the issues are not on my internet connection. And I can't believe that the Xbox One X is the problem. Though I have read that upgrading the SSD will help with load times, I am not sure that the load times I am experiencing are solely because of that.
On another note, they have drastically improved loading to Athena Fortune, but when you first load into the area, your character jumps around for a quick second before stabilizing. Even with that jumping around added in, the time is still much faster to load.