High RAM usage, Game Crashes, and Poor Performance

I have an RTX 3070 8GB pinned at 95-100% usage, 32GB 3600mHz RAM pinned over 80% while only having 18-19GB in use 16 of which is BeamNG, and an i5-12600KF that rarely exceeds 70%.

Simply put, I'm tired of my seemingly capable system randomly crash trying to spawn AI or just while playing with traffic, even though it's only 12 traffic cars and 8 pooled, up to 5 parked. This seems like a lot, but I never had much trouble unless I was playing with 100-350 mods. Now, even the vanilla, verified, and cache cleared game crashes every damn time. I literally cannot play BeamNG anymore, all because it wants a few extra mebibytes of memory, with the lowest crash request being a requested 0 MiB, and the highest being ~120 MiB requested. I've also increased my page file to 4GB on each of my two SSDs.

Please help, I'm desperate for a playable game