Looking at the various data you provided (very good, thanks), I see four problems.
First problem
For example your "Crash3" right above ... this is something from the OS, and in the end is normal. Ok, really "normal" it is not of course, but it is caused by the resources XXHighEnd draws for itself, not giving enough for those processes (services) not really needing it anyway. So they stop. Not that this is not really crashing, but it is how it expresses anyway.
I never found any service which is stopping this way, can harm you(r system).
Note that also services exist which make your screen turn into a windows-311 look, and you shouldn't even be bothered by that.
When these things happen, they happen because sound will be better. They don't interfere with sound anymore, and they got away because sound interfered with them. Strange story maybe, but it is so, en generally seen as beneficial.
Of course you could switch off the services concerned, and many people do. Spoolsv.exe is amongst them, if you don't want to print that is.
Note that Spoolsv.exe is just an example, and many more exist (and they may all crash one time or another).
Second problem
When you play hires files you should use the latest version and set "Split file at size" to 100MB. Otherwise too much memory will be consumed, and combined with FLAC conversion this is even worse. Note that the way XX is configured, you cannot use more than 2GB for the music files, no matter how much memory you have, and no matter it is Vista (or XP) 64.
The 2L files are extra problematic, that is, in DXD version, because they also have to be downconverted to 176400. They will play, but only at Unattended without problems.
Third problem
This is about yuor first mentioned crash, "Crash 1";
You describe this problem in a general form, which then (!) ends up in my above explanation under "First problem". However, this "First crash" problem is specific for the XXHighEnd screen, and I can't tell what you did to create that. I don't think this is a real problem because you might not be able to have it again, or otherwise once in a while. If you have it too often (to decide by yourself) of course I will solve it, but then I have to know how to mimic it.
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After restarting program, I have lost lower settings Unattended play etc.
This is unrelated. Settings are stored when you quit the program in normal fashion. When you do not (like with a crash) they are not saved. Thus, this only indicates that you just changed a setting in that session.
Fourth problem
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I have also found from DAC Test that my M-AUdio PCI Delta 192 (with M-Audio Beta VISTA 64x driver) only plays at 16/44.1 and 16/48. Do you think that the fact that the M-Audio Beta VISTA 64x driver is not Microsoft signed plays a matter?
I am almost sure indeed it matters. Two questions :
1. Do you see this device as "loudspeakers" *and* as SPDIF ? If the latter is not so, the driver won't be Vista compatible.
2. When you go to the Advanced page of the properties of the SPDIF (!!) device, do you there see 24/192 listed ? (if Yes it doesn't say much, but if No it sure tells that via Exclusive Mode the device can't play over that rate. If there's only loudspeakers (see 1) this doesn't say anything (I think).
I hope this kind of answered your questions !
Peter