Jmich, your troubles might be correlated with world server reboots. When you see a yellow message that reads 'Zone connect: xxxx (zone)' it indicates that traveling to or from that zone will cause the game to freeze up/crash the way you described. On occasion, all of the zones on the server seem to 'reconnect,' leading to everyone crashing upon their first zoning.
I usually mitigate this bug by doing an /exit and relogging when convenient (before I need to zone).
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