Massive stutter/FPS freeze during landing near photogrametry

Yeah I know this complain is common. But hear me out please.

I am trying to land on Tokyo, with all World Updates for Japan which means its a massice area with photogrametry extending all the way to Narita.

When I load in Haneda or Narita, the stutter/FPS drop is bad but manegeable and usually stops after climb. But man during landing and approach it gives like 5 FPS with intense sttutering, even the audio starts failing.

I have a mid-range PC and I am not even trying on my settings:

Terrain LOD: 90
Details LOD: 40
Terrain Quality: High
Textures: High
Trees: High
Buildings: Medium
Grass: Low
Off-screen precache: Ultra.

Specs:
GTX4070 6Gb
i5-13400F (12 cores, 4 e-cores)
32Gb RAM
Windows + MSFS on SSD NVMe, Rolling Cache + Manual Cache (I cached all of Japan in low/medium with airports in High) on another SATA SSD

I am having this issue MOSTLY with PMDG places (737, 777) but it is also noticiable on smaller planes (TBM, CJ4)

Suggestions other than turning Photogrametry off? Everywhere else I can actually fly with 60FPS even with all LODS cranked up to 150, but photogrametry in the picture? 5 FPS if flying low.