Storing attachments inside vs outside of vault - difference in performance?

Hi, I’ve just started to use Obsidian and I was not able to find an answer to this question. I would like to know if there is a difference in performance if I store the attachments (images, videos, PDFs) inside vs outside of the vault.

If I have a large number of attachments (let’s say 10 000+) and keep them in a folder inside of the vault, I assume that Obsidian has to load all of them and it could cause lagging, slow performance etc.

On the other hand, if I store the attachments in a folder outside of the vault and only link them to my notes using drag-ctrl-drop, it shouldn’t affect the performance, because Obsidian only has to load simple text files.

Are my assumptions correct? Can I avoid lagging and performance issues caused by too many large files if I store the attachments outside of the vault? Or it makes no difference?

Thanks

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I added with a symlink some 20k files (actually, it is still added but my external drive is not attached).
First time it took a while for Obsidian to have them on board, but that was not the problem.

The problem was when next time I launched Obsidian with the external drive unattached. For some reason, the offloading of the non-existent myriad files made Obsidian very sluggish, to the point of freezing.

I don’t know if I should put the attachment in obsidian

If you put it in obsidian, I worry that obsidian will get slower and slower when there are too many attachments

But if I don’t put it in obsidian, I have to save the attachment to a location that will never change, and then link it to obsidian. In addition, I cannot know which attachments are referenced by obsidian and which attachments are redundant and can be deleted.