@Magi_al_Moose The CTF Loader is a part of Windows, and the event would only be relevant if it happened while you were trying to play Sims 4. In that case, a repair install would be much less drastic than a factory reset and would address most Windows-related issues, so I'd try that first.
https://www.elevenforum.com/t/repair-install-windows-11-with-an-in-place-upgrade.418/
If the problem here is software, then a repair install could help, and a factory reset would probably help, except that you might reinstall whatever driver or program is causing the crashes. However, if your game is crashing and NOT producing any errors in the Reliability Monitor, that suggests a hardware issue, for example an overheating processor or graphics card. (That's just one example among many.) A factory reset wouldn't do much of anything in that case.
If you'd like to check your components' temperatures, please download hwinfo, which is free and very thorough. Restart your computer, open hwinfo, select "sensors only," and let it run while you play. After you're done, or the game crashes, you can check the core CPU and GPU temperatures. Of interest would be the maximums since silicon cools quickly when not under load.