For the most part, it's rare for a Windows program to actually take the whole system down unless there is actually an issue with the computer at the hardware level (bad ram, etc). Closest thing I've seen to a serious crash was a program crashing the video card drivers, but Vista and higher automatically restarts the graphics drivers when this happens without the need for rebooting.
For the most part, it's worth reading posts that you reply to; nobody said anything about bringing the whole system down.
BTW, that handy feature where the video card drivers restart after they crash? The drivers do that, not Windows Vista and higher. It worked on XP too.