So after 1 week with 0 crashes and playing hours a day...it has finally gone back to daily crashing 2-3 times in an evening's play.
Loaded up the game on old PS4 as a test and same thing happens.
Very convinced it is a hardware issue.
Not a big deal unless you run Momento then to lose all your long term buffs after a crash...
Now soon as screen freezes I forced close the game myself before it goes to lengthy process of generating error log and asking for report submission etc to get back into game faster.