Seems to me that there's only fix for users experiencing low FPS in Trainz. Go to settings, graphics settings, graphics performance preference, select desktop app, go to wherever the TRS22.exe file is and select the high performance GPU. This will take much stress of the CPU and give it much needed relief. For me the NVIDIA GeForce GTX 1070 is what I'm using. Perhaps I need to give an M2 SSD and i9 Intel Processor. Heck I could even get a 4070 GPU.
I use the same settings on both my laptop and of course my desktop.
Having a faster disk will indeed speed up data loading but an M.2 is still the bottleneck in the system because even as fast as SSDs are, they're still far slower than system RAM and Graphics RAM.
Modern CPUs, such as i9s and AMD processors are much faster overall, have larger internal caches, and contain many more cores than older models. This helps with system processing and management, but they're still not as fast as the GPU.
The GPU, or graphics processing unit, which resides on a discrete card, as integrated into part of a CPU, or discrete on a motherboard, is still much faster than the fastest desktop CPUs. It's because of this that many programs now make use of their processing speed and the much faster graphics RAM. G-RAM, even if it is SDRAM similar to what's found on the motherboard, is much faster due to how it's designed. Cheap video cards, however, will use standard SDRAM. Integrated graphics found on cheap motherboards that utilize the internal GPU on the CPU will use RAM sharing. This means they'll steal the system RAM and use part of that for graphics. This can have a detrimental performance hit on computers due to the lack of the most valuable resource called RAM.
Back to the GPU and processing. In the olden days, graphics cards were only used to process graphics data and output it through the frame-buffer memory. In modern systems, the GPU and its peripheral components have played a more important role in systems to increase the performance due to taking on tasks that were once managed by the rest of the computer. While the CPUs are fast and have more cores, they can be put into use to process the background processing while the GPU is handling complex math calculations and processing data that would otherwise be handled at the same time as the rest of the system tasks. The other thing is the graphics circuitry is accessed through DMA, direct memory access, right off the system-bus that's connected to hard drives and memory, thus saving an extra step when transferring data between them making the processing even faster.
Trainz since T:ANE and more so in TRS19 and TRS22 and family, make more and more use of the GPU to process scripts, and the large number of calculations needed to run Trainz in addition to the regular graphics data to send out the contents to the screen and generate procedural textures, grass, TurfFX and ClutterFX data.
This is nothing new by today's standards and many system-intensive programs do this today and this is why it's good to have both a fast CPU, memory, and graphics card. You'd think skimping on a CPU in favor of a faster graphics card would be ideal, but it's not due to the amount of processing done by the GPU, the CPU needs to be capable of processing the data requests quickly sent to it by the RAM and disk otherwise system bottlenecking can take place. This is basically a traffic jam and this can cause a detrimental performance hit even with the fastest graphics card.