********* SOLUTION **************
Before we go there, some words!
I understand corporations better, I am part of it! So, I get it that Apple and MS (or any BIG company of any era) are rivals, dont like compatibility, loves monopoly, loves money even more, will go to any extent to keep us in their own eco system.
That's just fact of life. That's okay.
That said, I blame MS and its incompetent Photo team for this freezing issue.
I can not go into details but this issue is squarely on their idiotic OneDrive backend technology and its interaction with another idiotic Photo app (that little malfunctioning decade old code that never for total refresh, never)
Now, The Solution. Its very EASY.
On PC, Go to "This PC" and look for your iPhone ( or any portable storage device/camera for that matter)
Right Click on THAT phone/device
Select "Import Pictures and Videos"
Select "organize" Or "ALL", whatever you want for your situation.
(Optionally, select "more options" to select specific folder and auto Prefix name/tag)
Select "Import" when you are ready!!
:) Enjoy the life and blame Microsoft and its incompetent resources for wasting that much of our time.