I don't know what you do to your computer but I haven't had Windows crash in years, if fact, I don't think I've ever had XP crash. Fair use rights? Hmmm...I have no problem ripping my CDs to my computer as mp3 files.
Bully for you. You are either blessed with the magically error-free edition of Windows, or you have an incredibly bad memory. Me, I have used Windows for cryptography, coding, image manipulation, and games. This is on an Intel P4 3.06 GHz CPU system with 2 GBs of RAM. The most recent crash was just 12 hours ago.
Meanwhile, I've got an identical system running Linux that's got a continuous uptime of 533 days now.