I do use password for electrum.
Password and passphrase are different things.
ok, in this case i do use both.
as i understand bitcoin wallets are not optimized if you frequently use the same address(es). And as i suspect the same issue affects bitcoin core wallet as well.
That can't be the issue, the issue is your number of UTXOs which is over 1000 and Electrum will have to fetch the necessary data
of all those unspent transactions outputs from the Server/Node that you're connected with.
Internet connection speed can slow/speed this process.
For Bitcoin core, it will only perform slow in the initial scan; after that, it should be smooth sailing since the blockchain and its index are stored locally.
hm indeed, but bitcoin core is too difficult to maintain.
[moderator's note: consecutive posts merged]