I got this issue at the end of last week, with an empty community folder 80% on load and CTD. There was a windows update for gaming services I recall.
So uninstalled FS2020 and a full reinstall with no mods and still CTD at 80%.
So will be trying a full install of windows etc and then FS2020. Ordered a new SSD so will do the whole reinstall when disk arrives thursday.
Very weird as never had a CTD before except just after US Update and it would load on 2nd boot attempt (which was fixed by the next update).
Sounds like the only thing to look out for is cloud save and cancel and start again on controller setups.