How did you turn it off, I'm wondering if AO is on on my GFC and this might fix my game as well! Just wondering how you did this again, because I guarantee you'll find at least five threads of mine related to CTD...
Right clicked on my desktop, clicked on nVidia Control Panel, manage 3D settings, and Ambient Occlusion is the first one. There are also lots of other fancy options for forcing things like AA and AF.
You can also specify these per-application, which is probably a better idea for anybody wanting to force things. (The AO isn't that great, I'd been noticing it for a while because of how badly it interacted sometimes, but it never clicked. Of course, that it could add AO into a game with no support for AO is impressive, and it looked fine in bioshock, but still. No-go for F3, even if it's not crashing for you.
If you have an ATI card it'll probably be similar, I think catalyst hooks into the desktop as well and has similar headings.