Just realized today that I'm having this issue too. Not so much that I'm having fps issues, but rather that my gpu usage is way higher than it should be across the game (mainly outside of orbit). I'm getting 80% usage while on the lowest settings, which is obviously not right for a RTX 2070. Looks like the issue has been identified (that its related to lighting), but I'll still post my info anyways. I don't remember having this issue before beyond light either.
EDIT: nvm, I figured out my issue (had nothing to do with the game)
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New fix? Do you mind sharing, I believe our cases are similar.
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What was the issue? and what did you do to fix it cause im still getting extreme frame drops and crashes on a black loading screen!
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Same thing happens with me with close to the same exact specs. I’ve been trying to trouble shoot since shadowkeep, in crucible menus I get like 40 frame drops and switching in the tower I’m dipping down to 90 frames. This is the only game this happens on especially with all low settings. Kinda odd