Here's my load order:
Morrowind.esmTribunal.esmBloodmoon.esmTexture Fix 1.9.esmBloodmoon Landscape Overhaul 1.0.esmMorrowind Patch v1.6.5-BETA.esmBetter Heads.esmBetter Heads Tribunal addon.esmBetter Heads Bloodmoon addon.esmMorrowind Advanced.esmGDR_MasterFile.esmentertainers.espbcsounds.espmaster_index.espLeFemmArmor.espadamantiumarmor.espEBQ_Artifact.espSiege at Firemoth.espDaggerfall Collection Ver 1.1 (BTB Edit).espP.R.E. v4.0.espNudity Greeting Expansion V1.espLGNPC_NoLore_v0_83.espSirLuthor-Tools.espUnique Banners and Signs.espBetter Bodies.espDB_Attack_Mod.espKey Replacer Trib & BM.espBook Jackets - Morrowind.espBook Jackets - Tribunal.espClean Morrowind_Cities_Unlocked.espClean Morrowind_Cities_Unlocked_TB.espClean Morrowind_Cities_Unlocked_BM.espBook Jackets - Bloodmoon.espClean Morrowind_Bandits_Unlocked.espDXM_masterindex_journalfix.espGCD better balanced birthsigns.espLess_Generic_Bloodmoon.espImproved Skilled Magicka.espLgnpc_SN.espLGNPC_GnaarMok_v1_20.espLGNPC_AldVelothi_v1_20.espLGNPC_MaarGan_v1_20.espLGNPC_HlaOad_v1_32.espLGNPC_Aldruhn_v1_20.espKS_Julan_Ashlander Companion_1.3.espLGNPC_Aldruhn_v1_20_suppl.espLGNPC_Pelagiad_v1_30.espLGNPC_TelMora_v1_20.espLGNPC_Khuul_v2_20.espLGNPC_VivecFQ_v2_10.espMuseum of Artifacts Improved Expanded.espLGNPC_TelUvirith_v1_20.espEcoAdjMerchantSkills (Disposition Edit).espEcoAdjCrime (Tresspass Edit).espLess_Generic_Tribunal.espalmalexia armor.espQuieter_UI_Sounds.espWA_Signy_Signposts(!).ESPBTB - Spells.espBTB - Alchemy.espBTB - Equipment.espBTB - Settings (Alternate).espBetter Skulls.ESPBetter Clothes Complete (BTB Edit).espIceNioLivRobeReplacerPLUS (BTB Edit).espIlly's Solsteim Rumour Fix.espAtmospheric Balmora for VBA.ESPGCD v1.08 with Startscript, fixed [Galsiah].espMW_Adv_Required (BTB Edit).espPsy_IronMeshImprove_Uniques_BMI.espVurt's Grazelands Trees.ESPVality's BC for Vurt's BC.espVality's Balmora for Vurt's BC.espService Requirements (BTB Edit).espVurt's BC Tree Replacer II.ESPArea Effect Projectiles (PAR Edit).espAnimated Morrowind II.espQuick Char (Timescale Edit).espWelcome to the Arena! v5.0 (normal).espLGNPC_SecretMasters_v1_30.espLGNPC_IndarysManor_v1_51.espLGNPC_VivecRedoran_v1_50.espThe Neverhalls.espDN-GDRv1 (HFP Edit).espLess_Generic_Nerevarine.espCreatures.espLGNPC_PaxRedoran_v1_20.espcorrectUV Ore Replacer 1.0.espNew Argonian Bodies - Clean.espNew Khajiit Bodies - Clean.espGraphic Herbalism.espsm_ForgottenHalls.espUFR_v3dot2_noRobe.espDjangos Dialogue.ESPPond_scum_fix 1.0.espCompanion Health Bars.espOwnership Indicator.espMashed Lists.esp
I'm on Windows 7 x86 and using the latest version of MGE XE, if that helps. I doubt it's MGE, both because it frequently happens indoors, and because when MGE crashes, I think it tries to make a "restore" save, which hasn't been happening in this case. Regardless, I'm going to try playing with MGE disabled for a while to see if it's the cause after this post. If anybody else has any ideas, I'd love to hear them.