To speed up background images on 3.x on 680x0
1) make sure you choose a nice easy to decode format, eg IFF, PNG etc.
2) make sure that if your datatype supports dithering (such as warpdt datatypes), turn them off for 15/16 bit screens. It doesn't look as good but error diffusion dithering from 24-bit to 15/16-bit takes *ages*.
If you have a PPC card with OS3.9, both of these issues are mitigated somewhat as the 3.9 picture.datatype can use PPC to do the colour reduction/dither and many datatypes come in PPC flavours.
If you want backdrops to look good in 15/16 bit modes (without dithering by the picture datatype), you can take your original 24-bit image and dither it down to 15 or 16-bit in a paint package first and save it in a non lossy format. You can't beat precalculation ;-)