Hi, I registered on this forum just to say that I have exactly the same problem. Just 10 hours ago I was playing the Sims just fine. I had a 30GB mods folder, ultra graphics settings and a heavy reshade. And my laptop ALWAYS handled it just fine.
But when I launched the game again a few hours ago, it INSTANTLY crashed on families of 8 people (a bunch of character traits and a cluttered lot). And it crashes after 3 minutes of playing on an empty lot with 1 character. I thought I had problems with the save, but...
I took out the mods, saves and tray folders, cleared the cache. Completely deleted the Sims 4 folder. Reinstalled the game again. Updated NVIDIA and NOTHING. The cleanest new game also crashes after a few minutes of playing on a simple lot with 1 character. Especially quickly when I switch to the build mode. Once it crushed in CAS even.