I'm having the same issue! I don't play with the off the Grid trait. I have tried without mods (and I've tried a bunch of fixes now.) I can create a new game and play fine. When I try to reload into a save (any save with some playtime) I get the infinite loading screen.
Expanded explanation: I play a new save for an hour or two. Sometimes I can reload once or twice back into that save but it eventually inevitably wont reload. I can't find a pattern of why it breaks. I have been through many new save files now! Including save files made by other simmers such as the completely blank save by srslysims - these load fine, but again, once played they will then no longer reload. I have to force power off my laptop as I can no longer switch to task manager (A known issue with one of the recent updates.)
Deleting thumbcashe etc. doesn't resolve it. Removing mods also didn't resolve it. Nor did removing lot traits. Nor switching to DX9. I updated my drivers and it also didn't resolve it. I have tried reloading into the saves via load game and resume. I am trying a complete fresh install now.
One drive is not running on my computer.
I use the windows defender pre-installed anti-virus.
This is an issue after I updated, but I can't remember which update caused it - maybe the lovestruck or Dx11 update?
I have seen other complaints of this issue on the reddit bug thread.
I have attached DxDiag file.