Just loading the game into the program (86) folder will work. Adding to it, using JSGME, using SH3CMDR, modifying it by adding music to your gramophone folder or other modifications, adding supermods, using file tweaking; all become a problem. These can be avoided by simply installing outside the program folders.
See the vista thread:
http://www.subsim.com/radioroom/showthread.php?t=105144