Your computer is too old an not powerfull enough.
Basically, your long loading time and your bad texture quality are both consequences of the lack of memory (RAM), both on the motherboard and on the video card.
FSX is very very very heavy on the ressources. I suggest you read the FAQ, you will find some tweak to improve the performance, but don't expect a miracle.
EDIT: I forgot to answer your question
FSX would need a minimum of 1 Gb of RAM. And this is really the minimum, I have 1 Gb of RAM and I can tell you that the loading times are still long (like almost 1 full minute to load the game from the menu), and when I go around, the loading of the surrounding scenery cause a lot of disk access.
Users here and there report that 2 Gb of RAM is a lot more confortable.
However, this would not be enough, since your video card is certainely too old as well, just like your CPU is not powerfull enough (I have a 3,2 Ghz and still I can't use the AI traffic, on roads etc...)
I would suggest you to wait a little bit more, save some money and then buy a whole new PC, with the latest possible video card and at least 2 Gb of RAM.
... Or you can enjoy FS9, that is still beautifull.
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