Since TSW 3 me and quite a few other players have experienced this issue on high speed routes. When your bypassing an oncoming AI train at full speed using a custom livery the train cars don’t load in time. While the game struggles to load the livery it makes the whole game stutter until that custom livery is fully loaded into the game which is really immersion breaking. But when you’re using the same livery as the AI Train it doesn’t struggle since it’s technically already loaded in. You have use and different livery or use the default livery on the train. Hopefully there is a way to make liveries preloaded in game so this issue can be resolved.