Hmmm...
Well the only thing I'm positive of is to be wary of mods that change the AI weapon loadouts, and possibly those that modify the campaign layer (i.e. either manually or automatically created AI groups and units) somehow. I recently disabled a mod that changed the ASW unit loadouts, and _ALL_ - and I mean all - my savegame crashes are gone now. I can even load those saves where the coastline is clearly visible and there's other traffic there too now!
Strange but true, I know. But I'm not complaining