Hey guys sorry for the late response.

I'm running DOS on:

Steam
Windows 7 32-Bit
Multiple save games -- 3 saves (most of which I know are defunct because I tried new characters to see if the crashes would stop).

Right now I'm on Win 7 and I took a screenshot of my specs and the like. I believe you're right, furball! Apparently I only have 2.47 GB usable out of my 4GB of RAM (something I need to fix asap!) and I took a screenshot below that might give more clues to the problem.

http://imgur.com/lxbZA1I

Also I haven't tried the renaming saved folder option as I didn't want to fiddle with any data--I'm really proud of my characters and progress thus far and I'd hate to lose them. BUT I will try it and see if I have any luck.

I'll be sure to try out the fix and report any improvements I might have.