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Over the past few days I've needed to reset settings (Option button while starting up) on premiere just to be able to open projects. If I don't it goes to the home screen just fine. Hoever it hangs up if I try to open any files. I haven't really changed anything other than going from 14.4 to 14.5. Oh yeah, I'm using a MacPro 2019 with MacOS 10.15.6.
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Try using the Cleaner Tool and reinstalling:
https://helpx.adobe.com/creative-cloud/kb/cc-cleaner-tool-installation-problems.html
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Have you tried opening your projects from inside Premiere as well as from Finder?