Access may not be functioning as expected in terms of record loading (in forms).
I have a continuous form that supposedly loads 1million+ records. When the form is loaded, Access appears to fetch an initial batch of up to 501 records, and additional records are retrieved as I scroll. For example, on mouse wheel, I reached a point where it wasn't printing a record count of 501 and, instead, it printed 1001, then 1501, and so on. If I then tried another scrolling method, like dragging the scrollbar to the bottom, it printed much greater counts at different rates. I tested this by printing the record count during the Open, Load, MouseWheel, and Detail.Paint events.
As mentioned, the record count did eventually match the total number of records, but that number seemed to depend on the way I scrolled.
In my experience with other platforms outside of Access, if you load thousands of records in some sort of table, not even a million, the software may struggle to keep up. That makes me suspect that Access forms don't really hold everything in memory and that there's some sort of optimization, pagination or caching under the hood to improve user experience.