Sounds like it is graphics related. I have had the same problem, until I got ROW. I used to have to save every time I went from inside the boat, to outside, cause 9 times out of 10, my screen would freeze, accompanied by a lot of hard drive access, then go black, and a message telling me a problem occured and the program needed to be shut down, which ultimately led to my having to hard boot the computer. After I installed ROW's textures this problem has all but vanished. There is something up with a texture file or many of the original game.
You may be encountering the same thing, and I think it is Nvidia related. Remeber how SH3 jamed invidia machines due to the particle effect not being handled well by these cards and drivers. The same may be with our cards and whatever texture file is causing our misery.
Try ROW's graphics, and tone down the detail for a bit, then bring them up to where things start dropping in frame rates. Also, the Fog, and environmental effects are absolute murder to my framerates, and overall game performance. Turn them off, and see how it goes.
Good luck. If I can stick it out, you should be able to .
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