Good discussion going here as I have never given this any thought since I've been here playing this game.
So if you have checked the box under Graphics Details to "turn off other players skins" then the only skin you will see is the default skin for that particular plane which is downloaded on everybody's box when you first start the game.....only the additional skins are the ones that you won't see unless you allow them to be downloaded when the game FE detects them being used during gameplay..................... .......correct?
So it is this action that causes the frequent writes back & forth to HDD & mem.......ie paging? Or causing stuttering if the box isn't fast enough to seamlessly do this in the background while during gameplay....................
Learn something here every day if you stick around long enuff........................

If you've downloaded a skin you will see it on any plane in the MA that's wearing that skin. Every other plane will show the default skin unless you've downloaded other skins, then they will also show on any plane using those skins.
Don't show other players skins will default all planes to the default skins except your own, which will show the skin you've chosen.
As I said, I don't download or enable other players skins except in scenarios. In that case, once I know what skin my squad is flying I jump out of the game, download it, jump back in, choose it for my plane then enable other players skins. Because this is only skin I have on my hard drive, outside of the defaults, it's the only non default skin I'll be able to see but I'll see it on any other plane in the scenario that's using it (typically only the squad I'm flying with).
Stuttering can be caused by any number of things. Automatically downloading skins in the background on low powered machines and having to load skin textures on machines without sufficient memory resources to pre-load them are among them.
Earl, as long as your machine runs a steady 60 fps then you have no issues downloading or preloading skins. Most monitors have a refresh rate of 60 Mhz and most do and should enable VSync so the frame rate doesn't exceed the refresh rate. Exceeding the refresh rate may cause graphic anomalies known as screen tearing.