The benefits of using multi outputs is that you can mix those "voices/channels/etc" inside Sonar instead of inside the plugin. That means you can use the faders inside Sonar on each part and add Sonar FX (or any other FX you have installed) on the individual parts.
So that gives you some extra control over the individual sounds BUT if you are merely using the raw sounds inside the plug and it has it's own internal mixer then that stereo out essentially just acts like a bus (so like if you took all those multi output channels then sent them to a bus it's essentially the same thing).
Essentially if you do not intend to add any Sonar or third party effects and your plugin has an internal mixer that you are comfortable working with (instead of doing the mix in Sonar instead) then your single stereo output merely acts like a bus. This could be much simpler if you don't need all that extra control.
As far as crashes? I seriously doubt using multi output to individual channels in Sonar would minimize that. If anything the extra tracks would increase the resource consumption of the project (especially if you start adding effects).
I personally always use multi outs on my drums and other such instruments because I prefer mixing in Sonar and having the option to have the Prochannel strip/FX rack available but it all gets dumped down to a bus anyway so if those weren't factors I could very happily just use a single stereo out.
I hope that makes sense. Definitely play around with it though to see whether the multi out option works better for you.
Cheers.