Hi Bob,
I've heard good things about X-Plane, though I haven't spent any time with desktop sims in ages (maybe 15 years?). I bet you're exactly right about lag and predictive algorithms.
Level D sims, though, are a whole 'nother thing. For those who've never heard the term, that's a class of jet (predominantly) sims approved for zero flight training (so you can get a type rating in the sim without ever touching the airplane) and generally used by the airlines and biz jet operators. Like this:
Ken
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