They fixed the bug a couple of udpates ago. If there was ANY hardware change (via USB plugin) to your system, even a piece of hardware that wasn’t being used by the sim (like a USB drive), it would CTD. I think this was fixed in either SU4 or SU5? I can’t remember which one, but it was one of the recent updates.
However, the issue is now back again. Not sure when it reappeared exactly, but it’s back for me as well. Any hardware change while the sim is running results in CTD, even if it’s something unrelated to the sim. Like @Flying2Night said above, I do my pre-MSFS walkaround / checklist now before starting up. I make sure everything is connected and running properly. I ensure my wireless mouse is charged enough and plug it in if it isn’t, because plugging it in mid-flight is a guaranteed crash. And of course, I make sure nothing gets connected / disconnected while MSFS is running. Only then will I fire up the sim.