Poe 2 Early Access Infinite Loading Screen 0.3

I had no issues playing on Vulkan and (frankfurt server) for the whole 0.3 but after 0.3.1 I got infinite loading screen. (alt+f4 after 10 minutes of loading screen, also i had the ash effect loading thingy in character screen for 1-2 minutes before my chars appears). I changed today to DX12...after reinstalling and cleaning the shaders folder and managed to reach my hideout.

The reason I was playing on vulkan was that in 0.2 I was getting crashes and rollback on dx12 almost every other map and losing/bricking that map. I have also played alot on US servers that patch with bad lag because of the eu server dying which made me quit the league in the end.

Now I'm worried for 0.4 as I do not want to be in the same situation to play on US servers where I have bad ms as I'm from EU and do not want to suffer again from rollbacks or crashes due to dx12 issues.

my specs:
CPU: AMD R7-7800x3d
GPU: AMD 7900XTX
RAM: 64 GB DDR5
game installed on SSD...duhh

It is alarming that so many people have this problem and it is not even mentioned by someone from GGG...at least say...yeah we are aware, or we are looking into it....