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my advise is not to do this in a user event script, use a map/reduce script or scheduled script

load and save during map and then load and save again during reduce?

primarily a user event script affects load/save time everywhere

after submit still affects save time, its not asnychronous.

and then load and save during map and then load and save again during reduce?

a map/reduce script consists of a search (usually of records) that you want the script to run on

that's correct the load and save part is important

you can do whatever you want during those steps

do both load and save during the map step

map and reduce stages can use the N/record module, just like any other script, so they can load, edit, and save records

based upon what you described with the third-party, likely not, unless you can work with the vendor on a custom solution to trigger this logic another way

it will make the script take longer, which is not terrible