WORKAROUND
I can confirm this works. Not sure which setting fixed it but this is what I did/happened to me:
Game was still paused from previous testing.
Quit to Main Menu.
Switched to Save Slot 1 (original 91 day game) and game crashed (PS4).
Restarted, switched to Save Slot 1.
Whilst in Main Menu, turned off clouds.
Loaded game, still bugged.
Quit to Main Menu, turned on clouds, turned on 3rd person view.
Loaded game, still bugged.
Quit to Main Menu, turned back to 1st person view, turned off animals.
Loaded game, EVERYTHING WORKS.
So not sure if 1,2, or all 3 settings had an effect. And if changing settings in Main Menu rather than in game makes a difference. But fiddle with it and it seems to fix it.
Now just to see if it comes back…