Crashes are often memory issues, hence my previous post. The game is a memory hog. And that's to be expected. But how good the memory management of any program is, is very difficult to assess without proper tools. Even for developers, memory leaks are notoriously difficult to find.
Until they're found, we have to act defensively. What I do is reboot my machine before I play Civ (especially before multiplayer). I don't open any other apps other than essential stuff (like Discord if I'm doing multiplayer). I monitor RAM usage on my task manager. I have 32 GB of RAM, but I'm still leery if it approaches 30% usage.