This doesnt help much. You should post links /send crash files to Stardock. Then they can actually find your problem and see what to do about it.

Let me guess: You have win xp? Seems to me that the ppl with problems usually are the ones with win xp. I know that Stardock is aware of this, as they have posted about it before. 

About your other points (monsters and heroes). You really think that the monsters are too tame? I think they are ok. I could agree to a very, very small nerf in heroes (soveregins) to avoid winning the game with more or less only the sov.