"needs loading" logic cleanup. #5139

Job	Run time
Quick Checks	16s
Linting	15m 20s
windows-2022 / Debug	10m 35s
ubuntu-22.04 / clang / Debug	9m 28s
ubuntu-24.04 / gcc / RelWithDebInfo	18m 34s
Documentation	2m 53s
macos-13 / clang / Debug	13m 30s
ubuntu-24.04 / gcc / Debug	9m 25s
windows-2022 / RelWithDebInfo	16m 3s
ubuntu-22.04 / clang / RelWithDebInfo	14m 36s
macos-13 / clang / RelWithDebInfo	19m 3s
	2h 9m 43s

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