We are not sure if it's SU3, or just the native MSFS 2024-style attachments are worse optimized than 2020-method we used previously to patch the xml models. The passengers as as optimized as they can, but if the sim doesn't properly optimize inactive visibilities, there's not much we can do about it.
Clearly, one expects we'd use the "proper" native MSFS-2024 attached_objects.cfg method to patch native MSFS 2024 airplanes, then it's up to MS/Asobo to be sure that invisible objects are not processed.
Of course, you are not forced to use Seated passengers and they are not enabled by default.