Can It Be Assumed That Items Purchased From In-Sim Marketplace Will Not Cause CTD's?

When I loaded MSFS in my new laptop I decided to avoid ALL add-ons whether Marketplace or aftermarket. I have an empty community folder and no Marketplace stuff other than the World Updates. I don’t even have that free MS livery.

Today, while enjoying a VR flight over Maine, US a sudden CDT hit. I took off my headset and saw that MSFS was shut down entirely.