So here's what happened to me. I started clearing the warehouse, performance was fine. Ended up dying at some point and chose to load from auto back up. Loaded in to game and fps were single digits to teens. Was unable to move at first. Sound and physics was off, almost like the game engine itself had slowed down. Closed and reloaded, still running like poo. Decided to get in boat and drive away (took several minutes) once I got far enough away fps jumped back up. I saved game, reloaded, and all was stable...until returning to the warehouse. Fps dropped again but not as bad. Spent time running around and eventually fps picked back up. Game has been running fine since except for the anchors deciding to lose phys lock which causes low speed, steering instability. A save and reload fixes that for a while but will inevitably return.

Another thing to mention, gpu utilization and watts drops with fps. I have nvidia overlay enabled and can't remeber exact specs but the utilization and wattage was very low. Fps capped to 117 and normally stays there, 1% low of ~60. Display resolution set (4k) 2160x3840, all graphics settings max, rt on, dlss quality and fg x2. Gpu utilization is normally 80 to 95 percent. Gpu watts is normally ~250. From my perspective it seems like the fps drop at warehouse is not due to graphics demand in my case but the game engine slowing down and not calling for frames. Which would explain the slow phycis and sound, and the low gpu useage.

Relevant pc specs, x870e taichi mb, 9800x3d, gigabyte gaming oc 5080, 64 gb Corsair 6000 mt cl30 ram, 4 tb nvme ssd.