Been having this exact issue since Season of the Lost dropped but has continued through Witch Queen. Sometimes the game goes for hrs with no performance issues or 30 minutes but my sessions almost always end in a sudden freeze with the music still playing. Tried everything you've tried and more also with no luck. No consistency or error messages. I also have Nvidia graphics (3070) card but don't think that is the issue. I'm running an AMD cpu though so I have been wondering if that's the problem but everything I've tried for that hasn't fixed it either. Destiny is the only game that crashes like this and it ran perfectly on this rig before Season of the Lost (and even my worse rig prior to this). Have literally tried everything. Just hoping that coming to the forums and raising awareness for this gives us some answers.
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Hopefully you've gotten it fixed, as it's been a few weeks, but I found a few days ago that setting my window mode to Windowed Fullscreen fixed the issue for me. I had it on Windowed previously.