@Metal Messiah, PLEASE with all due respect for your attempting to research problems people are having with games, IT IS NOT the same as actual experience playing them. Therefore it makes zero sense to give advice on such things if you've spent no time playing the games in question.
The fact that OP makes mention of attempting to play without waiting for shaders to compile makes it rather obvious he is not taking the proper steps to assure it plays well. I've played on patch 1.0.1.0, 1.0.5.0, 1.0.6.0, and now 1.0.2.0. The latest patch 1.0.2.0 added a CLEAR warning if you attempt to go in game before shaders compile that you might encounter performance issues if you choose to do so.
I NEVER had a crash on the coin twirl page on ANY patch version, and only had ONE crash in now two and a half play throughs, which was on version 1.0.1.0, and likely caused by my having the game minimized for some time while doing something else. I say this because the 2nd playthrough it did not crash at all, but I'd also not minimized the game at length.
Patch 1.0.2.0 is the largest patch file yet, about 8 GB. Aside from many various bug fixes, it addresses streaming so that the CPU is used less. My guess is the patch size is huge because it adds roughly 10% more texture files to the game so it doesn't have to do as much texture unpacking while streaming them, which would obviously be easier on the CPU. So I'm saying I think they made the total texture files about 10% bigger, but from what I've seen it reduces CPU usage by about 20%.
I've also noticed the frame rate window seems to have tightened. It used to run between 55-60 FPS for the most part for me, regularly dipping to 45 FPS. Now it pretty much stays between 55-60 on patch 1.0.2.0.
Please though MM, stop suggesting refunds on a game you've not even spent any time playing! I'll add that the video I posted recently showing that TLoU Part I plays well even on patch 1.0.6.0, is currently my most viewed video with over 250 views in just 5 days. WHY, well I can't help but think it's because a lot of players whom haven't bought the game want to know if all the performance complaints have merit, and IMO many of them don't. More people need to stop jumping on the performance bashing train and pay attention to what those whom are having plenty adequate performance are saying.