It depends on what kind of RAM you have. Unfortunately I have RDRAM which is much more expensive than SDRAM. The Windows version I have is Millenium. I cannot complain about it. The only times I had to install Win ME again was after deleting to many entries in the registry. It taught me not to mess with things I know nothing about.
I found out that the biggest chance of crashing the game is by travelling great distances. And then especially Ascadian Isles region.