But one thing I noticed is that I get a lot of microstutters the closer I get to the airport, so I'm thinking it has something to do with that? Almost like an OOM - but of course that shouldn't happen in P3Dv4. Any ideas?
There shouldn't be any microstutters and surely not an OOM with KCLT, surely not under P3D4, because we basically load the whole airport at 10NM so, your are supposed to see only a somewhat large pause at 10 NM, then nothing.
Of course, I'm assuming you haven't touched the anti pop-up slider in the Addon Manager, which by default is set at its maximum under P3D4. If it's not, the program will start to create/destroy objects more often (depending how low it is), which could introduce some stuttering, even if the fps might be a bit better, depending on the system.
this time I got the CTD a lot closer to the airport ... on final approach just a couple of nautical miles away from landing. So the CTD doesn't happen at a fixed distance.
This seems to further confirm the airport is not the problem. If it was, it should happen always at the same spot, since the airport is static. If the crash appears in different places, it might possibly related to an AI, especially one which was originally made for FS9, which are known to cause CTDs in P3D4.
Testing with 0% Traffic might be useful to verify this.