How to fix texture loading failures in Forza Horizon 5?

I faced texture pop-ins in Forza Horizon 5 with my Kingston 4GB DDR4 3200, dropping FPS to 25. I tried increasing the page file to 16GB, but it caused longer loading times, which was unacceptable. I used GamePP Hardware Sensors to monitor memory usage. I lowered texture quality to High and moved the page file to an SSD. This kept memory usage at 3.2-3.8GB per GamePP Sensors. MemTest86 confirmed zero errors, fixing the instability and restoring smooth gameplay.