It does sound like you have a couple different kinds of crashes going on:
- repeatable crashes (same circumstances generate a crash fairl reliably), and
- random crashes (out in the field, upon loading a new cell)
The repeatable ones you can usually narrow down to the influence of a mod or something like learning not to reload while still in game.
The random ones are the ones we all try to stave off for as long as possible. They can have to do with dirty mods (you can learn about cleaning mods with TES4Edit), running out of memory or graphics memory, overloading the engine by, for instance, running at high speed (or riding a horse) through several cells very quickly, and sometimes even after all we do you just get an occassional crash.
Look for the 50 Steps to a crash free game thread. Also look for a Oblivion and memory usage thread. You can start trying the approaches described there.
gothemasticator