Okay, back.

I can Confirm that using DX11 instead of Vulkan does bring my fps completely back to normal. The load times are back to being fast as well with DX11.

Now I would like to mention that with Vulkan, my graphics for BG3 were looking as if they would pop out of the screen... almost 3D. Trees came out from the background etc. Things just popped out.
With DX11, that is not the case.
The picture is on Ultra settings on everything and it all runs fine but the picture just isn't as eye catching.