Assuming you're not using imported characters and have the 4GB patch installed, I don't see why that should be happening. I've been playing it all week (just 100% it in 10 hrs 41 mins today no reload with the default party; going to try for a full recording tomorrow) and I haven't had it crash once in dozens of attempts.

About the only thing worthy of mention was the Crystal Amulet NOT protecting me from petrification in the Gorge during my last game yesterday for some reason, forcing me to redo quite a large section.