I have worse specs and never crash. You're doing something wrong.
Jerrymander,
It may not be
peacenik doing something wrong. I've had issues with Civ crashing, and not just the application crashing, but the entire computer. Worse yet, it wasn't even a blue screen of death, but a total system crash! (It messed up my raid more than once, luckily I'm using raid 1 so it was easy to rebuild.) After a lot of investigating I determined the crashes were because of two reasons, well a combination of two reasons, because if only one problem existed, it wouldn't have crashed or at least not nearly as bad. The first reasons was the video card I had (Raedon 9800 All In wonder) has a known bug that Raedon never fixed or were unable to fix via a software update. I had tried all sorts of versions of drivers, including drivers for Raedon cards that weren't 9800s, and a few 3rd party drivers, too. The second reason was because I was (an still am) running Windows 2000 Pro. Windows 2000, unlike XP, doesn't handle graphical errors as well. I forget the specifics but I remember hearing that the way 2k handles graphics is on the same level as the OS. That means if there's an error, the whole OS dumps you out, not just the graphics. Where as in XP the way the graphics are handled is very different than 2k, and if there was a problem, the application may crash, but the SO probably wouldn't.
Even if
peacenik could solve the problem that doesn't necessarily mean he or she is doing anything wrong. As someone who has been building computers since the early 90s, I can tell you I've seen some crazy things that were in no way user faults that caused some odd behaviours. Everything from modems that wouldn't eve ATM0 (perma ATM1/ATM2 FTL!) sound cards and video cards that both permanently work on one IRQ and they're both on the SAME IRQ!

Or how about Optical Drive A that won't work on one cable spot 1, but will work on cable spot 2, where as Optical Drive B that will work on either spot leaving me to conclude it's not the cable...nor is it the cdrom, but both of them at the same time.

And my home
router (Cisco Pix501 firewall) seems to randomly shut down after a few weeks. I only have two computers hooked up and it's not like I'm running a large amount of data through it (3 computers if you include the OLPC laptop + the 2 computers on the LAN max at once.) This little box should easily be able to handle 10 times the information I throw at it, but sometimes just decides to stop working. If you know how to configure this thing I'll gladly send you my show config and you can tell me what I'm doing wrong.
Computers do weird things. Right now one of my home computer that I paid $3000 for when it was new (6 years ago) is having graphical card issues. When I play Portal the screen has a yellow hue and NO, it's not the cord. It's ONLY for Portal. I've run Portal in windowed mode and only Portal is yellow, everything else is just fine. Also some games won't even display polygons correctly and I can't even watch Starcraft 1 movies! I've been tinkering with computers for nearly 20 years now, and this thing has me at a loss at how to fix it short of a complete reinstall...and I can't even do that right now because I'm using a raid driver and windows is asking me to install 3rd party raid drivers via floppy disk, which stopped working on my machine for some mysterious reason, I'm going to have to rip a floppy drive out of one of my older machines
Jerrymander, please don't be so quick to judge. Computers do strange things sometimes for no apparent reason and it's often times not the user's fault. And while there could be a solution, said solution isn't always obvious, even those of us who are technically inclined don't always find the solution to every problem, let alone people who don't understand the difference between an inside IP address and an ourside IP address, or the difference between a Class A IP or a Class C IP, or the difference between an intranet and an internet, or the difference between PCI and 8xAGP, or the difference between 2 cpus and a dual core, or the difference between Random Access Memory and physical memory...