So, I'd been having this problem with Fallout 3 for a while. At this point it seems like something that all PC users must go through. But after playing both 3 and NV extensively I noticed that NV rarely crashed, in fact I could go several hours without crashing once, yet it seemed Fallout 3 crashed every 20 minutes. I did some digging and saw someone had mentioned to turn off Anti-aliasing as well as Anisotropic filtering, as well as setting screen effects to none (Do this in the launcher menu, not in-game) sure enough, NV had all of those turned off, but 3 hadn't. So hopefully this will work for you as well.