Well I hope that I've fixed my problem (I just had CTD no hardlocks/reboots or freaky colors)
I was about to give up when I decided to do a reinstall, this time on C:
So I uninstalled the game, went into registry and deleted all keys with "Civ", "Meier", "Firaxis".
Then I downloaded latest DX9.0 (feb update) installed that one, reinstalled Civ4 this time to C:
Than I went and tried to update game with games own updater, no go. It just tried to connect. But I noticed that file it tried to download was named "v152PATCHREL.exe" instead of "civ4_update_v152.exe" I had downloaded before. So I downloaded PATCHREL this time around (mind you I don't think this has anything to do with crashes but still)
Choose same settings as before and voila... game works perfectly! No more stuttering and chopiness and most important no more crashes. Played some 3-4 hours last night. (standard map on easiest setting)
I also noticed that my shortcut had compatibility box checked before I unistalled the game... No idea why but I ran my game in compatibility mode. After reinstall it is gone.
So only things that changed are newer DX, reinstall to C: and that shortcut isn't run in any comp. mode.
Yes I didn't touch any of INI settings either, so they are all at default. Anyway I might have been just lucky last night and will have to play some more before I diagnose that crashing is gone but I'm living in hope
Sorry for spelling and/or grammar I haven't slept for quite a long time now
So I guess my problem was borked install I think, still don't help any of you, but that is how my problem got fixed.
I truly feel for you mates and hope this gets sorted out real soon
