Anderton
Your saying that it crashes about half the time may mean there is something about your system that's "on the edge." I don't know if X3e loads more "stuff" into memory than X2; if you ran programs prior to opening Sonar, sometimes they don't release memory fully. If Sonar had a bug caused by loading large files, it would seem that it would happen every time. If Sonar can load files smaller than a certain size without errors, it would seem whatever the problem is relates to file size.
I've opened up the Windows task manager to monitor memory usage. Windows indicates baseline memory usage of 2.9GB in use and 5.1 GB available.
When I open X3 with a blank project, it uses 125 MB of memory. When I insert an instance of Kontakt, Sonar's memory usage goes up to 227 MB. If Kontakt crashes while loading this instrument, Sonar's memory usage tops out at 460 MB. But if I'm able to load the instrument without crashing, Sonar's memory usage get to 677 MB.
This is consistent with running Kontakt in standalone mode. Before loading the instrument Kontakt uses 85 MB. After loading the instrument it uses 535 MB.
In both cases, when the instrument loads successfully it takes up about 450 MB. But when it crashes in Sonar it uses only 233 MB. To me this indicates that Kontakt is having trouble loading the instrument in Sonar. I can see Kontakt's dialog indicating that it is loading the samples. It's after that dialog goes away, but before the instrument GUI is displayed, that the crash occurs.