I get one occasionally. It used to be when I'd sink a ship, and seemed to be sound related. I avoided it by saving just before I went into action. I haven't had a problem since I got my new sound card. I still get a CTD on rare occasions, and I think this time it's graphics. My card is cheap, and stutters a lot with some of the mods I use, and crashes when I try to use any of the 'damage' mods.
I'm looking into a new card, but then I'm also looking into a whole new computer.
I sometimes get one that is truly random, but "sometimes" is once every month or less, so it's not something I worry about.
As to SH3 being prone to crashing, you might well be right. I would describe it as "touchy" or "finicky". SH4 is supposed to be a lot more stable.
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