PC Help! My game is crashing every 5-15 minutes due to memory error.

As title, Terraria keeps crashing on my pc every 15 minutes or so, occasionally it will throw up an error about memory, but most often just crashes to desktop. Even viewer says System.OutOfMemoryException

I'm running a 3070ti, Ryzen 7 5800x, 32gb of 3200mhz ram. Never had issues with Terraria before. Ram is good, ran 16 copies of memtest for 3.5 hours and no issues at all. No other games having issues.

I've tried all the fixes I could find with a quick search, including changing from trippy/retro to white/color - no dice. Have verified files, uninstalled and reinstalled, updated drivers, restarted PC etc.
Pls help I can't even make it through a day without a crash.

For context it works fine on my Steam Deck on the same character and world, just not on my PC (Windows 11)
Also to add, vanilla, no mods. Though years ago on the same save I TEdit'ed a few goodies in for myself but have played for 100+ hours since then with no issues.
Also Ram usage isn't really going over 1.5gb for Terraria, so again doesn't seem to be a ram issue
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