Why does The Last of Us Part I crash in Boston ruins scenes?

Walking through Boston was a nightmare because the game kept crashing to desktop. I tried downclocking my RAM to 6000MHz in BIOS, but losing 12 FPS was a terrible trade-off. I switched to the GamePP BIOS Load-Line Voltage Adjustment Wizard, raising voltage from 1.4V to 1.45V via HWiNFO64 and setting L2 mode. RTSS verified frame times converged to 11-15ms, and MemTest86 showed zero errors, while GamePP noted fans at 1400-1600RPM.