hi, i am also running 3.1 on XP, on AMD 64 X2 3800+. Zbrush is crashing around once every ten mins with a particular option, whicih is when i am jumping around on the subtools, from one to another smoothing or anything else to that matter. It has done it plenty whilst changing material variables and then re-rendering and re-rendering. The system seems to become overwhelmed with what its processing in repetition. (use to have a simular problem on the mac with Z2)
This is a new system, windows XP, complete clean install. Only Zbrush 3.1 has been installed. 2gigs of ram, with Zbrush mem settings as suggested above. The HD has plenty of space, around 75gigs.
I have tried the download from the AMD site as recomended above and it kept crashing even sooner so i unintalled that. I do keep an eye on the mem counter at the top and that has always got over a gig when it crashes.
It doesnt normally crash in sculpting operations themselves, so no poly adjusting seems to set it off. Narrowed down to function swapping such as material changes and then re-rendering over and over and tool swapping in subtools.