I already stated the workaround! All you did was say "well I don't get crashes because doing what you're doing is just asking for trouble".
And I have never gotten any other crashes because of this. I would not be using Sonar if I did. Moreover the bakers agree, seemingly, because you don't even get as much as a warning when you insert plugins during playback.
In any case, I will definitely continue doing what I'm doing because it is not something that leads to crashes on my system apart from this single instance. My beef is with Melodyne on that account. Thank you for your insights, even though you didn't actually reply to my query, perhaps they will be useful to someone else who reads this thread.