I have also been getting this since I built my new 4090. 7950x build. I had NO issues on my old system. But since the start of this season. Sometime I can last 5 hours. Sometime only 30 mins. What I found that helps. Setting destiny as priority. High performance mode. Rolled back my 4090 driver to the earliest driver possible. 511 something. Disable NZXT cam. Disabled ICUE. Disabled all fan monitoring programs. Lower all graphic settings lol. Today is the first day I have lasted 5+ hours without the game freezing. When it happens to me I have to restart my PC entirely. As it crashed the whole PC. I am glad I’m a way that I am not the only person with this problem.