I made a post about this problem too; I'll add here some details to help gather data.
My version is also the PC version from the Microsoft store.
The game crashed for me while on cannons during HG a couple times.
For the crashes on the high seas I can't exactly remember what I was doing on the ship at the time; one time was right after a skeleton sloop sink, and I was possibly getting on harpoon to gather loot.
Sometimes the game seems to stutter and freeze, now. Occasionally it results in a crash, and sometimes it seems to recover. Again, this wasn't something that was happening a couple updates ago.
Something that happens occasionally for me, and is also new since the latest update: I was prompted to let some file run on my PC when I launched the game. I think it was in my system32 folder, and contained the words Sea of Thieves. Possibly a result of the new kernel level anti cheat. The game will run the same whether I click allow, or not. I choose "allow" everytime.