All right guys, since you all seem to have all the answers, let me explain why it is not hardware related, in my case.
Installed Vista. 32 bit or 64 bit, doesn't really matter. Crashes. Immediately upon opening a game, even just using the desktop, crash after crash. Even with recovery it's unusable.
Specs:
5200+ x2
ASrock Xfire e-sata2
A-Data 800mhz DDR2 2x2gb
Sapphire HD 3870
Silverstone PSU, I can't remember the wattage, however it has 52 amps on a single 12v rail.
Vista x64 or XP
Now to my troubleshooting.
1. Many many passes of memtest and the windows diagnostic tool on all 4gb of RAM, zero errors after many many passes.
2. Remove one stick of 2gb, everything works fine. Assume it is bad. Replace it, and remove the other...again no errors. Any one stick of 2gb RAM, and all is well.
3. 2x1gb sticks work fine, so it is not a problem with the motherboard slot (which would have shown up in memtest anyway)
4. Video card does not crash or error, ever, in XP, even if overclocked to 893/1275, so its not hardware or heat.
5. Reinstalled Vista 6 times now, no change. Reinstalled XP once, and all goes back to normal.
If I forgot to say anything, tell me, I promise I've tried it. Some problem with memory addressing, it has to be that, is causing this to fail, because as long as I keep it below 2gb, and it does not matter at all how I manage to get the 2gb, all is well. I've even tried 4x512MB sticks and it worked fine. I also tried one 1x2gb and 1x1gb, failed. So it's not my memory failing at the 3.5gb mark. (Again, would have shown up in memtest)
I'm sorry, but the answers in this thread are just far too convenient for the people who know how to troubleshoot a problem like this, and yet can find no answer. (And there are quite a few of us, ATI and Nvidia have even acknowledged the problem)
Failure at a specific place where XP can't read but Vista can? What's the chance of that? I understand that a huge chunk of the people having this error ARE overclocking their card, without knowing what happens, or have failing fans, or their computer in a box, or whatever, but to say that it is impossible for this to be Vista related is just a fallacy.