Just as a personal comment regarding all crash related issues.
It is “very” often due to the fact that the computer running premiere is also the “familly” computer.
If you are using Premiere at a Pro level, that should be one of the very, very few applications present and running on that computer. Even an antivirus can cause problems for very obvious reasons.
And yes, there are vey specific harware requirements. If you have ever used Avid’s products, you would think that Adobe is very loose on those requirements. For a while Avid even required you to buy their “own” computer system.
I have, as other mentioned, never experienced crashes, except with some old versions of Adobe Encore, which seem to be pretty much stable now.
Cheers,
Vince