Woo hoo, I think I fixed the Kernel error problem when trying to use different boats in single player maps. I turned down the settings for SH3 in my Nvidia control panel to default. Then set SH3 to run in Windows XP Service Pack 2 compatibility mode along with run as administrator. Now everything works and I tested it with a few maps this morning and not kernel errors so far.
Maybe this will work too for people having kernel problems with Flakmonkey's Interior Mod.
