Summary
openapi3gen.NewSchemaRefForValue panics if it encounters an embedded pointer type when a schema customizer is being used.
See here for a minimal example that reproduces the problem.
Explanation
I believe the panic is originating here in getStructField, because t.Field panics if the reflect.Type's Kind is not Struct (and in this case, it's Ptr). The panic only occurs when using a schema customizer because getStructField is only called (in this case) when a schema customizer is present (see here).
I believe this could be addressed by doing something like this in getStructField.
Here's a pull request that implements the fix: #501.