Gun Tech.

Walk until you get to the fork where a right takes you up a slope to a potential bedroll by a ledge. Wait there and listen for footsteps, and back off to the fork, keeping distance but maintaining a long line of sight. Wait for the bark, then run up, get the bedroll, and wait for Scruffy to charge you. Quickly crouch and go down the ledge, any which way as long as you don't get a sprained ankle. Immediately run to the exit; if Scruffy gets scared, she snaps out of it fast and can attack you again.

It's not lag, the game is frozen while saving your game. The time it takes to save depends on how big your save file is (newly started=small) and how fast your SSD is. If you have a harddisk instead of an SSD, saving the game takes 5-10 times longer.

I reported this bug a while back, and devs responded, so I think it will be fixed. It's not tested by me if it happens outside FM, but it would be reasonable to assume it happens when you step on weak ice, as demonstrated in the video, in all regions that have weak ice. So check your footsies before sleeping and take off frozen clothing, or you can get double frostbite.