Frame-rate Issues

[SuperToast]

Does anyone else seem to struggle to get into the 30s for FPS in this game? I seem to stick around the 20s on average, with traffic minimal (I hate to be alone ha ha). It seems that changing the graphics doesn't make a difference. I set the game at minimum, restart the game even, and still get FPS in the 20s. I go max, restart, same thing. Everything in between doesn't seem to make a difference either. I get 10 FPS around the San Francisco bay area as many have pointed out have the same issue.

I have the English version of the game, with hotfix too.

And I thought my pc was in pretty decent spec

Manufacturer:
Dell Inc.
Processor:
Intel(R) Core(TM)2 Quad CPU Q6600 @ 2.40GHz (4 CPUs), ~2.4GHz
Memory:
6144MB RAM (6GB spec)
Hard Drive:
483 GB (500GB spec)
Video Card:
NVIDIA GeForce 9800 GTX+ OC 512MB GDDR3
Monitor:
Dell Widescreen 19" 16:10 ratio 1440x900 (Digital)
Sound Card:
Speakers (High Definition Audio Device)
Speakers/Headphones:
Stereo Standard Dell Speakers + Subwoofer
Keyboard:
USB Root Hub
Mouse:
USB Root Hub
Mouse Surface:
Pittsburgh Steelers baby!!!
Operating System:
Windows 7 Home Premium 64-bit (6.1, Build 7600) (7600.win7_rtm.090713-1255)
Motherboard:
whatever the heck Dell computers come with
Computer Case:
Standard Dell Studio 540 Desktop Case

Perhaps its the cpu that's dragging, or the low graphics memory I have?