During my testing I noticed a few things - my ping was between 75-80 consistently, normally I am at 24. I am in boston. Boston to vegas added about 50, which is significant, but since its under 100 I didn't really notice it. My frame rates with my rtx4060ti varied between 14-180; 180 was on isle of dread in the slayer zone alone, 14 was in crystal cove instance 2 fighting Steel's dragons and strahds in a massive cluster of other players. Overall my game in that massive fight continued to drop frames and sometimes I got froze mid-air and there was a lot of rubberbanding. Gameplay alone in quests on my near x3 completionist main was normal, slightly better in Sharn, Feywild, Salt, and IoD. I ran a few quests and noticed probably the number 1 difference, the loading screen between areas on Cormyr was different than on live - it took longer, but I never had a loading screen freeze requiring me to restart (which happens on live all the time).
Bank lag was exactly the same, maybe worse. dragging multiple items around my pack in the dojo with all the other people there and it was really really slow to move items. Sometimes I had to click and drag items in my bank a few times. That sounds bad, but this is also my experience with banks on live - the bank is one of the worst performing things in DDO presently, and I did not feel like Cormyr's bank was worse. Its probably the same -
being a tech guy and student of all science I like patches and upgrades that modernize generally I see it as a good thing - I think having 64 bit servers for DDO would be a massive W for the game and I really hope SSG is able to adapt the game to them. I'm not happy about the +50 ping to vegas, but I've been thinking for years I should move to Austin, so maybe this will push me to finally do it.