is there a better way?
Yes. You can force your server to do this, although this will depend on your language / framework: PHP, Python Django, etc.
(If you just work through a web server, without any programming on the server, then I suppose something like .load()is your only option.)
BTW, to solve this problem, content management systems such as Drupal are created without the need to write code.
How do I first stop loading standard html / css?
If you want to stop something from showing until you're ready, add the body tag
<body style="display:none">
And then when you are ready,
$('body').show();
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