Skyline panic: physical loader did not return valid file data

[Lynxano]

System Firmware Version:
15.0.1

Atmosphere Version:
1.4.0

Smash Version:
13.0.1

ARCropolis Version:
3.6.2, 3.8.0, 3.10.1

Can the crash be consistently reproduced?
Yes

At what moment does the crash happen?
Either starting the game with specific types of character skin mods, or after selecting character on css with a character modded with that skin.

Details:
using certain skin mods make skyline panic consistently, specifically newer skin mods that use model swaps. this doesn't happen with stage reskins, only characters.

Plugins turned on:
libarcropolis.nro
libnro_hook.nro

Crash report:
Error Code: 2-0069 thread has panicked at "Physical loader did not return valid file data", C:\Users\Raytwo\.cargo\git\checkouts\orbits-95d455ae0897ea24\cd2ae15\src\orbit.rs:233:28

Reproducible Modpack:
one of the mods that triggers it on its own (boot)
another one that works all on its own (css)
a third one (boot)