Yes... what they have said is true. Crashes are mostly caused by driver issues. Any time I see someone using an on board audio chip and trying to get it to work it makes my skin crawl. ( in a figurative sense)
I have no doubt that if you used a decent external interface and ran the ASIO driver, your experience would be totally different and better. When you have the right driver, running the right hardware, Music Creator is a joy to run. I've been a user of Cake products for many years.... and they all run rock solid with the right setup.
You can't compare a freeware DAW to MC7... that is apples to oranges. Not even close.
So here's my recommendation for you to try.
Go to your local music store like Sam Ash or Guitar Center. I think they both have at least a 30 day no questions asked 100% refund policy on musical gear. Buy a Focusrite 2i2 or a Presonus, or a M-Audio USB interface. If the F-120 uses 5 pin midi, be sure the interface supports 5 pin input. If the F-120 uses USB, just get an audio only interface. Take the time to install the interface and do a setup. See if that solves your problems. I'm betting it will.
Worst case, it doesn't and you return the interface to the store for a refund.
edit to add: ditto on Beagle's advice on "free plug ins". Many of them are not written properly and will mess up your DAW. In addition, you said you're running a 64 bit OS. Be sure your DAW is the 64 bit version as well as ALL of the plugins. If one plug in is a 32 bit plug, it will mess things up. Once you get your system running smoothly, you can try J-Bridge to run 32 bit plugs on a 64 bit system. But.... start at the beginning with the new interface. Get the system running first, then add things one at a time and test each one before adding something else.
I run a totally 32 bit system and DAW. It runs rock solid. There are plugs I have installed that I had to remove because they either didn't work at all, or they messed up the solid functionality of my DAW. Just a heads up that some of the free stuff could be at least part of the problem.