Unplayable Frame Stutter

I'm about 45 hours into POE 2 at this point, and other than some long loading times into some areas and when starting up the game, I've had no issues.

But all of a sudden, after about 3 weeks of playing, the frame freeze up whenever I load onto a new area is borderline unplayable. I'm about halfway through act 3, and every new area I go to, as soon as I load in, my screen stutters for a few seconds, then I start running smoothly. But as soon as the enemies come onto screen, I will go 5-10 seconds sometimes before my framerate decides to be normal again. I cant even fight enemies, all I can hope to do is dodge roll until the stuttering stops. And now it's like this for every single area, every mob, even when I just go back to the base camp it's just as bad.

I've looked at multiple threads, tried messing with game options, tried a guide with changing my graphics card settings, nothing is working, and at this point it's not even worth loading up the game.

I know MANY people are having this issue, and I don't know if for similar reasons or what.

GPU: NVIDIA GeForce RTX 3060
16 GB RAM
CPU: 11th Gen Intel Core i5 11600KF @ 3.90GHz

I also have the game installed on my D drive.