After writing the text below, I tried
48kHz sample rate and it seems to have
solved the problem completely Recording live opus, 8 channels, bitrate: 256 per channel, complexity: 10; a project running at ~86% RT CPU for about 20 mins, no problems

(so far, fingers crossed)
Increasing buffer size also seems to work, but I can't do that for what I'm using reaper for.
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Ok, 44.1kHz, 64spls
I've tried lowering Complexity, Bitrate, Channels (over 2), and changed to combined instead of per-channel.
Same freezing and silence - eventually (about 12 mins usually).
Also managed to reproduce with 2 channels at 16 spls buffer.