I have done most of these debugging steps.
3090 FE / 8700k dips to as low as 80 FPS in Europa. Average around 130. 1440p.
Turning off vsync and uncapping frames I can get as high as 200. But the min is the same.
The best help I have seen so far is following this guide: https://www.bungie.net/en/Help/Article/49656
But using 2 instead of 0.
That made the FPS drops less noticeable, but the frames do drop.
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Did it help with the stuttering ?