I have not had any issues with CTD's while modding SQL/XML, no matter how drastic the code change. Check your mod log file (
found in \Documents\My Games\Sid Meier's Civilization VI\Logs), it will tell you where and when the CTD occurred
if related to a mod, and which mod caused it.
All this mod does is change various values in the goody hut xml file. I increased the value from 0 to 5/10 for gaining a settler/builder (i
t actually works out to be 1/2% due to the 5 different huts you can get). I also lowered some of the other values in an attempt to balance the goody hut reward, as i felt it gave too high reward too often (
2 inspirations or a technology etc). These values shouldn't cause a CTD. If they were incorrect values not accepted by the game engine the mod file would not be loaded and you would get an error in the log file, but no CTD. If the CTD is related to this particular mod i would be surprised, and would only assume the game has hardcoded settlers/upgrades to 0 chance, but why then have the option for it in the xml file?
I am guessing your CTD is related to another matter. Are you running any other mod? perhaps one that makes edits to lua scripting files or increases map size? Both can potentially cause CTD's related to memory allocation. Could also be due to many other factors such as overheating cpu, driver issues, etc. Impossible to tell without reading the log file. But I think I will leave that to your discretion as to what the cause could be. Hope what I have said helps you find the cause of that CTD. Nothing worse than a CTD that can't be tracked down. I recommend checking the log files immediately after any CTD, and even after loading a mod to ensure it loaded
all files correctly. I have known people to work on a mod for days, thinking it is loading and running fine, to find out the game threw an error on just 1 file. Sometimes, if the mod itself has multiple files to load, one or two might not load while the rest do, making you think all of the files loaded. In such cases you end up with a placebo effect thinking your mod is doing what it was suppose to. So always check your mod log file for errors and warnings.
As to why the DLC folder... Why not? I wasn't aware of the mod folder in the first few weeks of modding this game. Actually, i wasn't aware of it until i read your reply on why the DLC folder

. I haven't modded the civilization games since Civ III and have modded other games instead. Civ VI just brought me back to modding Civ games. So I was not aware of a mod folder.