Two books come to mind but I can't tell if they'll meet all the requests
And All the Stars by Andrea K. Höst
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Come for the apocalypse. Stay for cupcakes. Die for love. Madeleine Cost is working to become the youngest person ever to win the Archibald Prize for portraiture. Her elusive cousin Tyler is the perfect subject: androgynous, beautiful, and famous. All she needs to do is pin him down for the sittings. None of her plans factored in the Spires: featureless, impossible, spearing into the hearts of cities across the world - and spraying clouds of sparkling dust into the wind. Is it an alien invasion? Germ warfare? They are questions everyone on Earth would like answered, but Madeleine has a more immediate problem. At Ground Zero of the Sydney Spire, beneath the collapsed ruin of St James Station, she must make it to the surface before she can hope to find out if the world is ending.
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Just One Damned Thing After Another by Jodi Taylor (
also)
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A story of history, time travel, love, friendship and tea. Meet the disaster-magnets at the St Mary's Institute of Historical Research as they ricochet around history, observing, documenting, drinking tea and, if possible, not dying. Follow the catastrophe-curve from eleventh-century London to World War I, and from the Cretaceous Period to the destruction of the Great Library at Alexandria. Discover History – The New Sex
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This one may be more Science-Fiction than Fantasy, though. A fun read, the second one is in my TBR since this morning.