Have you tried taking things off one at a time, to see if it was a particular piece of equipment causing the problem?
Try deleting all of the files in the '
..\Divine Divinity\Run\Dynamic' folder. If you re-set the settings in the error message that comes up after a crash, this would have already been done (with the 1.34 patch).
This folder is used as a cache for the game. Files are created / copied there from the save game folder when you load, and written / copied from that folder when you save a game. The files will be re-created as required the next time you start Divinity. If there was a corrupt file in that folder, deleting the files should fix the problem.
If this happens in a new game (try the same class and gender), the default character graphics may have become corrupt, in which case you could try re-installing the game. Zip or otherwise backup your saved games folder to another location first, just in case. Then un-install, re-boot, shut down all non essential programs (especially anti-virus), re-install the game, perhaps start the game and see if the problem persists (usually not necessary, but would help identify problems cause by the patch), re-boot, shut down all non essential programs, install the patch, re-boot, shut down all non essential programs, start the game. This procedure is a bit over-cautious, but the best way to avoid install problems.
Troubleshooting and Manual Install Procedure