Well account data is a flat file, and the server seems to handle that just fine every time a player logs on.
Idea: Stress-test your login..
PHP Code:
function onCreated() {
temp.start = timevar2;
for (temp.i = 0; temp.i < 100; temp.i++) {
loginTest();
}
echo("Took" SPC (timevar2 - temp.start) SPC "seconds!");
}
If you aren't satisfied, you could 'load' it from an SQLite DB every time they log on but then you have to re-design your systems to constantly update the DB.