i am also having the problem with random crashes. seems to be only in the middle of conversations with people. i currently on the quest to find the stork and have to ask around at the merchants. it just crashes to desktop with an error about kernel32.dll and i have updated all drivers and even gone backwards on some to try and sort the problem out.
running on XP SP3, latest video driver, restart after installation, and no trainer. still get random crash. maybe it's the sound card? or just the bugz...
I had some crashes, but then I set the cpu affinity in task manager to just 1 cpu and it seems more stable; so if you have multiple cores and problems with crashing, try that