The game hangs, stutters, and crashes not only when changing regions or engaging encounters, which is exactly when meshes, materials and textures are swapped on the fly, but also when zooming the map which causes textures to be replaced with different version. This in result somehow causes the graphics driver to crash and the app to hang and even BSOD.
If it were a driver issue, or a user spec issue as you claim about BSOD, it would not persist through countless different drivers and machines for years, and it would not happen exactly during caching/streaming only in your game, but every other game out there that is using the exact same drivers.
If it were a driver issue, it would not be a constant report for your game after so many years of updates and optimizations. You would have found a way for it to work like countless other games have. Still is a constant complaint since launch.
Your users provide you with ample reports and feedback. Hundreds if not thousands suffer the same. Yet the issue is not only unresolved but also pushed aside by calling it a “driver issue” and claiming no responsibility for it.