Simplest answer is:Temp Files Hold Info like where you go often, and "Hold" a page image which is loaded into memory before the new page is accessed thus giving the impression the page is loading quicker. If this file IS deleted the page will be slow to load (has no reference)
for instance, Google has to save no less than 16 image files plus a cookie for it's Home page to appear
( I think it is about 16K? altogether)
Cookies work in the same manner,some hold the last place referenced and lots more besides Delete these and you'll have to log on again (makes a "new" Cookie) It is these files that generate the Hello and welcome "Name" tags ect. Not the Server, (That "sees" you as a piece of code)
Answerpool has countless entries of both images and other files
Another item that is stored here are any files that have be downloaded but Not Saved like amimations, Games, Music ect. The computer will generate a script file with the download info ect.(similar to a cookie except the file is a marker(1k)) as soon as you leave it is erased and you have to download again.But If the Program is "saved" (say to the Desktop) then there may be a cookie made .
"Save" position files are always cookies saved in either/and its own program area or the Temp files and sometimes the registry is altered also (spyware

does this(awkward to remove sometimes

)
If this area fills up too much then the entire Internet may seem like it's running with the handbrake applied

The solutions are to check the Temp cache size and open it up.or B) clear the Tempfiles? Another clue is to look im the System Information and see how much load is indicated (in percent(%)) Below 50% then you could be heading for a crash or an "Out of memory" warning

.I am in a "spot" myself

I have reduced the memory chips size and it's showing up in Slow pageloads (Am running with 768 MBs (was 1024MBs(1GB)) If you want to increase your memory the chips are inexpensive.
With XP the more memory loaded. The less workload the computer seems to do
