Unable to Access Gameplay Settings

It's mostly related to Mods or CC outdated. Try these steps

1) Move the Mods Folder to your desktop

2) Delete the localthumbcache.package file . This is found in Documents > Electronic Arts > The Sims 4.

3) Fix your game in Origin by logging in and go to Library, then right-click on The Sims 4 and choose the "Repair Game" option from the list. Wait until Origin finishes repairing all your packs and not just the base game.

4) Now, when you turn on your game again, it will create a new mods folder that will be empty. Check to see if your game is now working without mods/CC. Don't save.

5) Now you can try adding back items from your Mods folder one at a time checking your game each time to see which item is causing your game to not work properly. If you have a lot of items, you can try the 50% Method, working in batches to see which CC item or Mod is the culprit (you could have multiple items causing problems.) and check the list of the most recent broken mods.

Creators will usually update the CC items and Mods after these updates, so when you find out which one is the culprit, you can get the updated version from whoever made that item of CC in the first place. You should try these steps anytime you have problems in your game to rule out CC/Mods problems. It is the responsibility of the Mods/CC creators to update their items anytime EA releases a patch/update, and it is the responsibility of the people who use Mods/CC to make sure they are using the most recent version.