That’s interesting. Just to note, I have stuttering and CTD issues (mostly CTD, not so much stuttering), and I never use multiplayer or play with AI on. This is just my specific problem but I’ve narrowed it down to AMD drivers for sure. October drivers and before seem to never cause CTD for me.
Also I’m trying out the newest driver 21.4.1 right now, and so far no crashes.
So I’m not sure if the problem is totally one thing, like multiplayer liveries, or drivers.