Same issue with a Surface Book 2 and Zoom.
I have to close/cancel all other applications and not touch the computer for the sound not to crack up. If I touch the computer (move the mouse) or try to do anything else while in a Zoom meeting the sound will eventually crack up and I will get a low resources error.
I am running Windows 10 Pro Insider Preview 19619.
I have tried the Noise suppression trick suggested by australiasquareand it seems to help a little. However, this is not available when I am using for BT headphones.
I also notice a slight improvement if I am not docked.
I have also tried re-installing Zoom and all of the surface diagnostics, re-installing the drivers, all different type of Zoom setting, and even forcing Zoom to run on the nVidia GPU, etc. nothing seems to resolve this and unfortunately Zoom is being used by more and more people.
Have completely run out of ideas other than format C: