I never had any problems until until I upgraded to 12.5.1.
I have been following-along with these reports, all-the-while never having a panic in near memory (maybe? sometime back in the Mojave era).
About a week after I updated to 12.5.1 I began to have regular panics (boot-able, but quickly to a panic in about a minute using my regular User Account (no problem using my Admin Account)).
Seemed obvious that something was pushing the panic button in my user account.
I had just recently started using Block-Block, so I deleted that, and the system seemed ok for a day, or so. Then, the panics returned.
I then realised that I was still using OC 0.7.8, so I updated to OC 0.8.0 . . .
. . . no panics since with:
NoAVXFSCompressionTypeZlib.kext = Enabled
MinKernel = 21.5.0
Now I'm using 12.6, with absolutely no issues. As performant as performant gets with my 5,1
{edit} During the "What the sam-hain is wrong?!" diag., I did replace my BR2032, and it did not seem to influence resolution of the panics.