jerv2409 Is the "content file locked" error causing any problems? I've seen a handful of other examples of this, all from Steam users, but no one has stuck around long enough to do more than the most basic troubleshooting. So I can't tell you why this happens or how to fix it, if it is in fact a problem.
The game taking a long time to load could be due to outdated mods or custom content, or to OneDrive interfering with your files. Or it could be a more extreme example of this known issue:
Game is taking too long to load the main menu | EA Forums - 13536652
To test, try a clean user folder (remove or rename the one in Documents Electronic Arts so the game has to create a new one; you can restore the old one later), and use this method to find out whether your user folder is inside OneDrive's folder:
https://sims4.crinrict.com/eng/2018/07/how-to-find-your-user-folder/