We hope the end of this saga is near. (I am hoping 13.4 will fix this) Your choices in the meantime are:

The problem is the IO Controller (DART) is crashing, DART controls Thunderbolt for example. Since it is caused by a hardware problem, we can not work around it, we have to wait for Apple.

There are three possible workarounds until this gets fixed.

In Ventura, the most permanent solution is option 3, but here are the the three that can work, in reverse order of effectiveness:

1. when you restart, have your unit disconnected for about 5 minutes, then plug it in.
2. Pull out one drive slightly, so your system starts, then after 5 minutes, push it in.
3. Delete your volume (erases all data) and create it again, selecting 64k Stripe unit size when prompted.
This work most all of the time.

Yes, changing to 64k fixes this over 95% of the time, I hate to claim 100%, as there have been a couple outliers.

Good!

The only way to do it currently, is erase the volume with Disk utility.

Yes. We did not announce support for encryption yet, as we are working on adding this feature to the user interface. but encrypted volumes should work fine now.

Lets avoid multi-posting, though. It makes managing the forums much harder.

What we found in testing was the panic was triggered in the System. Did you "migrate" data from a prior system?
One of the tests I did was obtain a users crashing system. Any RAID 5 volume crashed. Creating a clean install, did not crash, so the trigger has to be inside the System, that is crashing the DART IO controller. Other users confirmed this, they could wipe their drives, no change, but a clean install, and it goes away. Others have reporting this suddenly appearing on a previously working system.

We are working as hard as we can to get a fast resolution.