I have this issue also (Vista 32 bit, fully modded game, not installed in 'program files'), but it's no big deal since it takes like, what, 10-15 seconds to restart the game and load a save. However, I have noticed that my internet security suite (Kaspersky 2011) sometimes pops up with a message that torment.exe is doing something suspicious (keylogging-behaviour), though it allows the exe so I don't think it has anything to do with that.
Out of interest, are you running vanilla Torment? Just wondering if it crashes when entering buildings/areas when unmodded also.
Tried that and it keeps crashing randomly.
Check the /CACHE folder and see if there are any files being written with a size of 0kb
I just checked this, and there were none at o kb. I will try clearing the cache folder, though (temp is empty right now).