Yes, I have one. I have peers that disagree, but they're WRONG and I'm right so listen up and you too shall enjoy faster loads on a daily basis.
Build your NWF files from NWC's only. You can't force Navis to ONLY load the single file that has changed, but I bet you're a lot like me, and you end up refreshing Navisworks multiple times in a day. If you build it with NWC files, the load time is SIGNIFICANTLY reduced. Dont take my word for it, rebuild a new NWF with the same files you currently have on your project and see for yourself.
The 1 downside to this, is that you will forget to re-write your NWC's when you make a change to your DWG. You could rewrite your Autocad SAVE command to automatically write a NWC as well, or you could just get used to typing NWCOUT (I have a alias of just NWC)... perhaps a button.
Regardless, over the life of any decent sized project, you'll save yourself a great deal of time (and others) if you take my advice. I've been using Navisworks since 2003, and this has been a persistent problem since the beginning (well, my beginning).