I too think that those CTDs, crashes on save, etc. problems only apprear when you start adding supermods to the mix.
A while ago i played quite a bit of vanilla sh3 (plus a few minor mods made by me), i could save in port, submerged, in combat, etc. and i never had a CTD.
Add a supermod to the mix, even well known & tested mods like GWX, and now you cant save near ships, you cant save submerged, or near ports. and even with those precautions, CTDs happen sometimes.
Bottom line, dont fear that changing your PC will cause you to have CTDs, as long as you continue to play your semi-vanilla mix, you will be fine. In other words, the reason your game is stable, is because of the lack of mods, not just because of your pc.
cheers!
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