To my experience with SH3 and SH5, using TC at x500 and more - when possible and not disabled by a mod - will result in CTD if there is traffic nearby (even if you don't see it on the map). Also in ports with heavy traffic going over x64 is liable to crash the game, and it has nothing to do with your computer's power.
But carry out the suggestion given above, that's the best way to isolate a single mod as a culprit IMO.
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