Like others, I've been crashing all over the place, mostly after a long black screen when loading an environment for the first time in a session. After many restarts I noticed even hovering over each character the first time would produce a sizeable stutter. On a hunch I disabled shader caching in my GPU settings for Destiny 2 and that seems to have mitigated the issue. I no longer experience the stutter when loading each character preview at character select and have been playing for a while across many destinations with no crashes so far. For nvidia, this is the setting you need to change: https://i.imgur.com/Ilcxh4q.png