This often happens with major point upgrades
Right. But this time, kernel 5.8, it takes a
long time until a fixed VBox appears.
fails to build virtualbox-6.1.12 modules
As long as not even the original has
completely usable fixes (they don't really take it seriously
here), nothing will be solved. Nevertheless you should use the original, but current 6.1.13
test builds.
Linux host with kernel 5.8.3 (in my case Arch based) and Linux VMs →OK
But Win10 20h1 in a VM not only freezes the VM, but brutally freezes the entire system. Reproducible, after one minute at the latest (logs or workloads show nothing abnormal). No matter which settings or tricks are used for testing.
The same VM runs without issues with kernel 5.4 (LTS kernel) and before with 5.7.
In short words: You can use Linux/Linux.