This will some what repeat what I said last time but this is purely on the steps that I took as advised by Apple support. This is the last step for a solution according to my rep. I went over 24 hours with this solution and I have not experienced 1 single crash. In fact, the upside to this, my computer is some how running the most smooth it ever has in comparison to the other 2018 and 2017 MacBook Pros I have owned. I think this will be the steps I take for each major update. The solution is purely a clean install of the OS so make sure you run the Time Machine backup first before you proceed.
1) Run Time Machine Backup
2) Restart the computer and hold Cmd+R before the Apple logo appears
3) Log into Disk Utility and erase the hard drive. If you have both Macintosh HD and Macintosh-Data, erase both drives and delete one of the patricians. (Caution: You may have to perform this action a couple of times or even create a new blank Partitian and delete the others - I had to do this very thing to have a function blank drive - yeah, it did get complicated but it was worth it)
4) Exit the disk utility and run a clean install of the Catalina operating system. DO NOT run that install with Time Machine or run the Time Machine restore... This is to be purely a clean install as if you just bought the computer.
5) When you run the install and initiate a user profile create, do not create the same user profile that is on your back, name it something else.
6) Log in to your new clean install, test the monitors with the computer, recreate the environment that would cause the crash. If you are crash free, then close all programs and windows, you are ready for the next step.
7) Click on the search icon for "Spotlight Search" in the upper right corner, search for "Migration Assistant", then run the Migration Assistant from your most recent backup. This will allow the transfer of the files over without the installation of the buggy OS.
8) With the back files successfully transferred back over, you can now log into your original user profile with programs and files.
9) Don't celebrate yet, you need to check your computer for any invalid programs and or files. When I cleared these out, I found my system also performing much better. May I recommend "App Cleaner & Uninstall" to assist you.
Once again, I'm on 24 hours now without debugging, without fixing and without a crash. If I experience a crash again I will post but so far I have a way better performing computer now than I have had before. But this solution is still no excuse for Apple to not address this very issue. So far I have had terrific reps who has been with me every step of the way and I have a direct line to my rep just in case if this issue reoccurs.
This is a complex fix and requires surgical precision when performing it. Good luck and let me know how it goes for you.