Why do instrument tracks take CPU when no notes are playing?

Well just use logic as it works better for you, simple.
If you want to use cubase change the way you work , simple
What are we on this self help user forum supposed to do for you

Personally I would try and find out whether your cubase performance is nomal compared with other users on your type of rig

100 blank Kontakt 5 instrument traks here measure less that 10 percent on the aiso meter here

Hippo