yes,… this was often the case for these XMP part. Have you already tried a testcase in which you not use the memory XMP mode ?
Here is a huge thread about the VCR… ( also more better in issues cat 
)
It is bit older so it contains also out older tricks like “Text2Speach=Windows Offline” ( I never switched back to Azure ).
If CTD realy starts since 1.13… , then is of course also a chance for a issue in-game. But my experiance is still: I have no CTDs.
And beside of this: if you own <32GIG RAM, don’t forget to increase the pagefile. The game eats memory and in some worst-scenarios a lot… I have situations where my commited overall system load is about 50GIG RAM, and around 40GIG commited from MSFS.
Example:
