Richard, I'm not sure why Nvida would tell you to not use the game ready driver.... as Lumion specifically says to use a Gaming GPU over any other type of card.
Doesn't make sense as why would they sell you a " Gaming " card, then tell you not to use a gaming driver.
As for the OP, I've been noticing over this past year some more lag than usual.
Lately the past few windows releases have always been buggy, I remember a few years ago windows 10 had an update over the holidays, come back in the office, and Lumion wouldn't even work, had to back track and uninstall that patch.
I usually leave mine in Shaded, and no horizon, white background. Anti Alias can really slow things down, I have mine set at 3.
If you have any interior lights, make sure they are checked off so that way it doesn't have to recalculate the light inside every time.
Also if you have a site plan with a property, I always set the thickness to 0" or whatever the thinnest it can go, to make it into a flat plane vs 3 dimensional.
Anything you can do to have a lower Triangle count, will improve speed.
But that all being said, I have noticed a gradual slowing in the past few months. I thought it was just my computer getting older, but seems as though it's widespread.