Why does Tomb Raider freeze for 3-5 seconds on Colorful B850M-PLUS S WIFI7?

I felt totally robbed of immersion when Tomb Raider would just freeze for 5 seconds during loading screens. I first tried cranking the voltage to 1.45V in the BIOS, but it was a disaster; memory temps hit 62-68℃ per AIDA64, making the system unstable. I then used the GamePP BIOS Load-Line Voltage Adjustment Wizard to set load-line mode to L2 and fine-tuned the voltage to 1.38V. After four MemTest86 scans, errors dropped from 12/hour to 0, and VRM temps stayed at 55-62℃ per AIDA64.