I've had a similar problem as well.
My config is: Windows 2000, Asus A7V8X mobo, Athlon XP 3000+, ATi Radeon 9000 (128 MB onboard RAM), 512 MB DDR, sound card built into the Asus board (avance drivers).
All drivers are latest, the game is patched up to 1.45 (although I've been having the same problems with every patch I've tried). I even flash updated the ROM bios.
I still get random crashes. However, I've noticed that I get far more if I run at a video mode > 800x600. If I set my screen resolution to 800x600, I get far less crashes (and my ATi VPU recover sometimes even catches the crashes and resets the drivers, which has saved my butt many times now). I tried disabling the ATi VPU recover, and the crashes continued (but no recovery, of course). I've uninstalled the video card, and reinstalled it.
Basically, I've tried everything I could think of. So, until I can either afford to get a new nVidia graphics card (it makes me just a little paranoid that an nVidia logo is in the loading screen, and I'm using ATi cards) and try it out with that, or until a patch comes out that fixes this, I'm just going to set my resolution and color depth down to 800x600 and 16 bit each time I play. I still get crashes, but I learned in the original Divinity to remap the quick save key to S and the save panel to ctrl-S. And use it A LOT.