Well it will add to the initial load of the condo/lobby, yeah. But once it's loaded, the lag it adds really isn't that much more than other things. It all depends on how they are dealt with.
What do you mean here exactly? I'm a little confused. If you are talking about it making things more complicated for people, yes that is true at first. But having a drop-down menu for an item isn't super complicated. We have already used things like that in GMT.
If you are saying it makes people who load go through extra trouble, then (and I may be spoiled with a good wired connection here) I would say waiting the extra 5-30 seconds is worth it if it adds more than 5-30 seconds worth of content.
The loading is all done when you join a condo. If you're having issues with the loads, go join a condo, get up off of your computer, and go grab some water or something. Come back in two or three minutes and you'll be completely loaded. Patience fixes everything.