so I'm like 90% certain this is the same thing (my conditions and symptoms don't match up EXACTLY but they're extremely similar). so I've already beaten the game and never run into the loading screen crash issue before (so this is happening on my second playthrough on a new character) other than from the main menu if mod loading messed up but this is definitely something in-game because it now fails specifically at going into the Lower City from Wyrm's Rock (note I was literally trying to zone in for my first time on this playthrough so this character hasn't actually even "successfully" been in there yet)
However, where my issue diverges is that, like I said, I have not done a single thing in Lower City yet, I had just finished Gortash's coronation (i.e. not the final showdown) in the keep, all the main big baddies are still alive. and no matter what I try to do with my settings and/or in-game conditions, when I try to zone in to Lower, the loading screen progress bar proceeds and then fails in the exact same way every time but NOT at 33%. Without fail my loading screen chills at 33% for a bit, then 67% for not quite as long, then it says it's at 100% and i can actually hear the sounds from the new zone starting in but I never get any sort of visual, it just CTD's every damn time.
this is on the Steam version, and it does the exact same thing for both Vulkan and DX11. has anyone else experienced my "version" of this? Like maybe it only does 33% on PS5? it's stupid because there aren't actually that many battles/potential for hiccups in that very first act 3 zone yet I've triple checked them and found nothing other than "properly" dead bodies and/or giant blood stains with a "pouch" on the ground where the body had been