Note that this will delete your ignore list and game settings, so be sure to backup your IgnoreList.txt file first before you mess around with anything in there.
Navigate your way to C:\Users\YourUsername\Documents\My Games\Tom Clancy's The Division 2.
Delete everything in this folder.
Open Ubisoft Connect and navigate to The Division 2 properties section, and select "Verify files".
Wait until it's finished and then go ahead and have at it.
I have been running the game without any crashes and freezes for around 4 days now, with 3-5 hours of game play each day. I used to have multiple crashes/freezes in one session, and to tell you the truth... It's been working perfectly fine so far, for me at least.
I'm not sure, but maybe something in that folder makes the game go bananas? It only seems to occur after a major game update, since I've done this a couple of times before I've always thought it was a driver/update issue with Windows or something in the end, so I didn't pursue the issue any further. Now, I'm not so sure.
Hey, fingers crossed that this "fix" will work for all of you!
/Agent Crackcarlsson