I downloaded your save game and tested it:
- don't think you PC is too weak, such a small battle shouldn't be a problem
- when I move out the FM and attack the army I get a CTD too, several times, with script on and off
- when I use the unit of archers instead to attack, I also get the CTD
- when I didn't attack them, they moved next to Khiva in the next turn, I attacked them and got the CTD
I did not get the CTD when:
- I used move_character to move the army east of Khiva to attack it there
- I didn't attack them in the first turn, they moved next to Khiva in the next turn, I used the archers to attack them from behind with the FM in Khiva as reinforcement
Conclusion: I have no idea what it is :-(. I don't think it is trait-related, as I got it without FM too. Could be something with the map, but I doubt it. Best is probably to auto_win the battle and hope it doesn't happen again.
I also played the campaign for a few couple turns, moved FMs in and out of towns, but didn't see a ghost general.
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