Were you ever able to find a fix?
I completely wiped my PC as well, reinstalled MSFS and it started out fine, but about a month later I’m having these lock ups again. I can be on the ground at a default airport with a default aircraft and it will lock up. I’ve tried a whole bunch of things (cleaning out appdata, turning photogrammetry off and on, removing all things from community folder) and absolutely nothing seems to fix it. It’s even more frustrating that it came back after completely wiping the PC.