First of all - welcome to the world of Microsoft Flight Simulator - probably the best community on the planet! 
We usually solve problems faster than the official support of most games and apps … and we’re a pretty understanding bunch too.
Now, back to the topic - we actually figured this one out quite a while ago. In one of the threads, I clearly pointed out which file is responsible for the CTD (though it’s not the main cause of the problem).
There’s no need to delete anything. You just need to switch from DX11 to DX12 in the UserCfg.opt file.
I’ve explained how to do this multiple times already, but it won’t hurt to go over it once more.
To do this, you need to edit UserCfg.opt file and modify the line
PreferD3D12 0
Change the number 0 to 1
and save the changes.
@Tomoka327
I do appreciate that you shared your suggestion about deleting the folder - though it’s worth noting that this folder will come back after reinstalling NVIDIA driver anyway. That’s why I think it’s simply better to switch to DX12 and forget about deleting any folders or files.
That being said, switching from DX11 to DX12 isn’t a perfect solution either - DX12 can cause other issues on some hardware configurations, such as stuttering or performance drops in MSFS 2020. So, until a proper fix arrives, we just have to live with it.
The good news is that this particular CTD has been bug-logged, meaning the developers have acknowledged it and are forcing the CTD on their end - which is actually a positive sign, because it means they’re actively working on it.
I encourage you to participate in the linked thread below to stay updated and add your input.
https://forums.flightsimulator.com/t/msfs-2020-ctd-during-loading-with-or-without-nvidia-app-installed-dx11/732584