Did you reset the configuration at least once after one of the crashes?  Are you shutting down all non essential programs (especially anti-virus) before starting to play the game?  You could backup your saved game folders and try a clean re-install of the game and 
patch. 
I tried all of your suggestions, even a full re-install, and I patched to the latest version before I even created my first character, so that's not an issue.  Right now the game is broken for me, and I refuse to restart my character, but thanks for your suggestions anyway.