The vast majority of my crashes occur around Wayshrines and Banks, and usually happen right as some player is casting a graphically intensive spell, like an AOE, polymorph, or uses a trophy with effects. My suggesting is to create a visual No Fly Zone around the problem areas in question where particle effects are not shown at all. There is no functional reason to show all the AOE spear shards, explosions, arrows, etc anyways as the only reason players are casting those spells is for virtual *** waving anyways. Well, that and the griefers who are actively trying to cause other players to crash by chain casting these spells.
So, until the source of this crash bug is fixed, please consider this idea, as it shouldn't be overly difficult to implement, won't affect anyone else's actual game play, and should help tons of your players stop crashing.
Thank you for your time and consideration in this matter.