I noticed the game always crashes when I enter some cells. I remember approximate locations of three of them (please forgive me if I mispell some names):
- at the road from Buckmoth fort to the Ghostgate, near Ramimilk Daedric shrine, just after some plants (Trama root, Bitter...something) - v. 0.64
- in the vincinity of Kogoruhn - v. 0.63a
- on the way from Erabenisum (IIRC) Ashlanders Camp to Marbigash, not far from a slave to escort - v. 0.63a.
Is there a way to deal with such crashes apart from frequent saves?
Another issue: I bought a belt, for xx<100 drakes. Restore health (IIRC) 15 pts. Constant effect! For me, this is perhaps the most imbalanced item in the game, because it makes the hero almost invincible. Edit: Hearth Belt, 16 drakes, Restore Health 25 pts.
S.

Try running the TES4LodGen
Try running the TES4LodGen and seeing if that fixes it. I used to crash constantly in Balmora, and running that utility again fixed it completely.
With the belts... yeah, you'll probably just have to resist the temptation to use them. There is a mod on this website that changes those items to use a "Cast When Used" method similar to how it was in Morrowind, which should fix it being so unbalanced. I forget what it's called but I'm sure someone (or the author) can point you to it. :)