I'm at my 3rd game killer CTD during AI turn right now so i understand what you feel (4th if i include the never ending recurring payment bug i had with UK). The only faction i didn't suffer a game killer CTD was with Prussia (manage to take it to 1799, but man those Mughal turn were long after 1775). I suppose that refraining to play navy focused factions is the only way to avoid dreaded GK-CTD.
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