IIRC I first noticed this bug/delayed loading in Patch V/W?, when the new dds skin system appeared. Never totoally been removed, but Scawen reported why it happened a while ago. The dds doesn't load to stop your PC lagging for a split second when that car leaves pits. Something like that.
Strange though, the XRT up ahead is ok, yet it's dds file is already loaded ok, you would think any other XRTs would be all ready to work.
edit: oh wait a minute, it's when you brake and the dds is already ok in the first shot. OMG bizzaro.