the top of this thread is filled with a discussion of the almost unimaginably catastrophic consequences of a ship moving at 0.9C hitting atoms in interstellar space.
trying to decelerate by "braking" anywhere close to a gravitionally significant mass sounds like a guarantee to total destruction from the impact of "stuff" (even individual photons).
You decelerate from 0.9C to 50 km/s conventionally, more if you can aerobrake or line up multiple slingshots, and that last 0.00001% with gravity assist.
It saves you more than that in fuel, because the fuel you'd have used on that last bit of deceleration needed to be accelerated and decelerated the entire way from 0 to 0.9C back to close to zero.
trying to decelerate by "braking" anywhere close to a gravitionally significant mass sounds like a guarantee to total destruction from the impact of "stuff" (even individual photons).