Have to keep Factory Resetting Game, but still crashes

My PC more than easily meets the recommended requirements, let alone the minimum. I am able to easily run it on Ultra mode if I wanted (I choose to only run on High anyway). CPU isn't overclocking, nothing is overheating, drivers are all up to date also.

I started a new game after not playing for a couple years and the character creation worked smoothly. However, the second I tried to load a household, my game crashed on the loading screen, becoming totally unresponsive. After some help from the community, I learned how to Factory Reset the game, which seemed to work and I played for a short while. Later I opened my game again and encountered the same problem. Factory Resetting once again fixed the issue, but the second I transferred my save file from earlier, it wouldn't work. This meant I had to start over, so I made a new game once more. This is my third time opening the game now and, yet again, it is crashing, the only fix being to Factory Reset, but I am unable to keep my save file. The second I put any save files into the new folder, my whole game is as unresponsive as before.

I don't want to keep factory resetting and starting a whole new family each time I want to play. Is there really no other way to fix this? I don't want to keep losing save files over this.