My solution? More exercise; more walking. The challenge level went up a bit as I didn't lightspeed back to a bed somewhere when the going got tough. I also was a bit more careful about the size of enemies I took on. I was working around the rules of the bug and adapting to the game's unfortunate crash system. Alas, then the crash AI evolved. Now Fallout 3 crashes when I get close to Vault 101... and a few other locations North and West of Megaton. Even on foot! My immediate thought: only a horse can save me now. Sadly, neither horse nor horse armor seem to have survived the end of the World. So here I am. Stuck in a wasteland filled with nasty monsters, radioactive lakes, and an invisible crash curtain that could strike at any time.
As I was working out the new rules of the game and charting an invisible no-go-crash-zone, it struck me. I have other games.

If someone told you videogames aren't addictive, you have my permission to scoff loudly. Not only did I want to play Fallout 3 at the expense of the rest of my game catalog, I actually started to tolerate its negative effects. Well, no more. Until Bethesda releases a patch to fix this nonsense, it's time for some World at War, Gears 2, and Left 4 Dead again.
Although, perhaps there's a way to spot the crashes coming from afar. A twitch in a texture or flicker in the sky texture... Hmmm. Let me go check that out.