I just wanted to let everyone know I have figured out why it's crashing for only some people(at least I'm 95% sure I figured it out).
So basically the crash occurs because of armor, specifically skirts and breastplates. Now the reason some people aren't crashing is because most classes start the game with a skirt and breastplate, BUT the Mage(and I'm not sure which others) do not. The mage only starts with underwear and a shield, which might be a bug for now until 1.23 comes out.
So you have 2 possible solutions. The easiest one is to just make sure you pick a class that starts out with basic armor. If you still want to play a mage, what you have to do is avoid battles from the beginning of the game all the way until you reach the first town. Then in the town you can buy basic armor/skirt, or get some money loaned and buy the better equip.
From what I can tell it has nothing to do with underwear or the shield because I have tested out multiple runs. I have never gotten the error until I remove the Skirt and/or Breastplate, although I'm not sure if it's both of those pieces or just one of them. The crash has to do with an armor bug because armor has been recently added.