It's beyond annoying... it's broken. Pure and simple. You drop an XP scroll and spend half of it in load screens thanks to crashing etc... that's literally money down the drain...
Yes this happens quite alot in cyrodil. Going into a load screen in combat is usually the end of seesion, before a reboot. If you are lucky and get to respawn then the chances are you will be in a load screen and have to reboot. This happens around sejanus outpost, blue road keep, farragut keep, arrius keep and kingscrest keep. Havent really noticed it elsewhere to be honest, but im sure it does!