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I did a lot of searching and seems the lag crops up at weird intervals.Some people mentioned after using portals or warps,i found that to not be the case at all.
What i notice if i don't get totally frustrated and logout is that the game will eventually crash with a runtime error,so there most certainly was a problem with graphic loading/lag
This used to be a problem in very old games,not seen it for a long time,basically when gpu manufacturer's were struggling with their drivers and releasing new ones often.I also believe it might be related to 32 bit systems but that is pure speculation.
I did notice i was missing a net framework update,about to try that and see if reoccurs,not sure if anyone else has seen the actual 100% factual cause of this lag that can seem fine say in morning ,then brutally bad a few hours later.I have heard this has been posted on square forums for quite some time but they have not been able to fix it or even acknowledge it.
Never forget 3 mile Island and never trust a government official or company spokesman.