Well, strange as it seems, I think I finally fixed it! It kept seeming like an overheating problem, but every time I checked, my video card would be reading 50-60, not a heat problem. So I thought about power. I have an Antec 430 watt PS, so I thought, no way, but I had tried everything else, so why not? So I cracked open my case, and come to find out, I had the power cord feeding my mobo also feeding my video card. So, after switching each of those to differing cables, AND disconnecting my 2nd HD, I have been crash free ever since!
Obviously the next step will be to bump back up my settings, and then eventually reconnect the 2nd HD, but for now, I couldn't be happier, as I'm successfully kicking Julies Ceaser, Tokigawa (?sp), and Saladin's butts around my continent!
Hopefully this will help someone else out as well!
Scalpel