Back to report - shortly after restarting the game and opening up my save (only on day 7 now), I started getting freezes. Just to clarify, they were long, long pauses, where the controls don't respond but their plumbobs still revolve. I hit the pause button and just waited. After several minutes, it went into pause mode. Didn't see anything so I unpaused, but after a minute it froze again. Hit the pause button again and when it finally went into pause mode (I had to wait awhile, like 3-4 minutes) I turned on 'testingcheats', entered 'resetsim *.*' and also maptags on'. Then I went into town view to see if anything was going on. The main thing I noticed was there were no proprietors at the private clubs but now they were going to work. For the two private clubs, they were 30 minutes late for work. I'm guessing that wherever they are staying when they leave work is trapping them somehow. If anyone is reading this, I would appreciate it if you could try to watch them when they leave at night to see where they are going and if they can get to work the next day.
It's possible that we all have different reasons for the pauses and freezes but this looks like something that would be good for us to check out.
I forgot to mention Rukaya but I also had the same bed issue in the house. I had to cheat them up some money to get in it, lol! I just cloned the bed then deleted the old one and the new one did not have that script error attached so all is good. :-)