I just wanted to share my experience civ fans, cause I really hated the same error

. My suggestion will not be based on a technical explanation (Im not a computer/software guy), but I hope you may benefit from it. I really love that great game and Total realism mod, but I could not play because of that MAF error. I tried many things, and found a practical method to "bypass" the error. Firstly I have changed the autosave frequency to "1" from Civ4Config file of which shortcut located under Warlords directory: you have to find there
; Specify the number of turns between autoSaves. 0 means no autosave.
AutoSaveInterval = 4
lines and change 4 to 1. (I do not recommend to adjust 0 for disabling the autosave function, your screen will have a tendency to freeze, believe me, I tried that option).
With that adjustment your Civ4 will autosave each turn and also you have more frequent chance to see "Memory allocation error" screen. But here is the trick: after each turn, you have to exit the game, and restart again, load the latest autosave, play and end the turn. You wont have an error. Later exit the game again, and repeat the same procedure...If you forget exiting the game "in the heat battle", you may have MAF error. But dont worry, you have the latest autosave, but before using it, dont forget to delete the faulty autosave of which size is about 2-3 kb, because software will try to rewrite on it and will generate an another error.
With this method I have reached to modern age on a Huge map with 20 civs in Total realism mod, my autosaves exceed 2 MB. My OS is 32 bit XP, RAM 2 GB, and video card is 256 MB. I dont wanna say that method will work on every machine, and I don know how that "phenomenon" could be explained, but it works. Maybe bad coding of this great game is trying to hold data of more than one turns on RAM, Im not sure. I'm leaving the explanation to computer guys.
I would really want to hear good news about that method is also working in other machines. Enjoy the game funs.
