Are you shutting down all non-essential programs (especially anti-virus) before starting the game? Firewalls can cause conflicts (generally on startup or loading screens) and overlays from graphics tweaking/monitoring programs or chat programs can also caused issues.
For example, a few people have had BitDefender block the game from being able to create files and folders. In that case, including the both the game executable and Larian Studios My Documents folder in BitDefender's trusted app and directory sections will fix the problem (Advance Threat Defense, Ransomware Protection / Safe Files, Application Access).
Did you try the clean boot and clean reinstall of graphics driver suggestions in the bug topic you replied to?
The game uses profiles to be able to keep options and sets of saves separate (for different playthroughs, etc).
