In 1.3 and 1.4, you have to have a campaign description for every faction you want to play as, or you will get a CTD on selection. You can add descriptions in the files Data/text/campaign_descriptions.txt and BI\Data\text\campaign_descriptions.txt. The descriptions don't have to be long, just the word "playable" would be enough. So, if you wanted to play as the Armenians in 1.3 RTW, go to the campaign_descriptions.txt file and add this:
{IMPERIAL_CAMPAIGN_ARMENIA_TITLE}Armenia
{IMPERIAL_CAMPAIGN_ARMENIA_DESCR}Playable
Note that this doesn't let you play as emerging factions, but will stop the CTDs when selecting a "non-playable" faction.
AFAIK the issue doesn't exist in 1.5 or 1.6
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