After months of searching multiple websites, and forums, I've found a workaround crash fix for ddo if your on 32 bit OS. Not sure how you would do this in xp, but for vista, and 7 it works.
Run cmd as administrator.
bcdedit /set increaseuserva 2688
Since doing this I haven't had a single crash in ddo. However to do much of anything else on my PC I have to change it back to 2048
If everyone on a 32 bit OS is having this issue and from what I can tell they are, hopefully turbine can make a fix high priority.