I saw some threads, people worrying about bugs.
It's absolutely not buggy, have yet to encounter a serious one. (though i have not played that much, 2 hours or so)
About the HDD loading textures: i havent installed the game, so im running it of disc, and its perfectly fine!
I don't know what people are talking about: No lo res hands, no lo res world etc.
Did notice some object not to be as hi res as others in the "menu magnifying", for example: when magnifying a leather helmet and leather boots, the helmet was absolutely stunning detail, the boots not so much.. still good but not as beautiful... which is kind of weird.
But overall the graphics are good, and so is animation! A HUGE STEP UP from fallout/oblivion
Hope this helps!