I´m running the gfx card at 64mb ram (options are 32, 64 and 128 )since it shares my systems ram and i only have 512

I average between 10-20 fps and take a long time when moving to a city or entering explorable areas, the loading is really fast since i followed the guide to download all the files and defragment all of them got it down to 1file per frag but that only helps the loading time.
I´d like to know how i should have the game configured to speed things up, get better fps and not keep everyone waiting for me when we switch areas i already have settings on the lowest and have only gw and steam installed on my pc (fresh install) i have no antivirus running since i only game, email and visit trusted sites i do all the regular cleaning, removing every week..
Sorry about the long post and any help would be really appreciated

Forgot to add the fact that at towns with alot of people im always lagging such as kamadan, but in explorable areas im really slow at the beginnging then get better after the first 1-2 fights and can play smoothly for the rest of the area/mission.