After reading a "misconfigured loopback" comment above, I checked my network interface settings, and sure enough, I had configured a static IP address for my ethernet interface and the slow startup would happen only when I didn't have the ethernet cable plugged in.
I mostly use my wireless interface, so I set the ethernet interface back to "roaming" and the problem was solved for me.
So, I suspect the long load times are due to a network-manager timeout or something like that.
I was seeing very slow Gnome load times as well.
After reading a "misconfigured loopback" comment above, I checked my network interface settings, and sure enough, I had configured a static IP address for my ethernet interface and the slow startup would happen only when I didn't have the ethernet cable plugged in.
I mostly use my wireless interface, so I set the ethernet interface back to "roaming" and the problem was solved for me.
So, I suspect the long load times are due to a network-manager timeout or something like that.