I use XP a _lot_, it is worlds better in terms of stability over 95 and 98, but next to when I use Linux (Fedora Core 7) it pales badly in comparison on my setup... I went through some pain first going from Win98SE to Win2000, and then went to XP to get some old games to work...
as for Linux apps crashing, I have experienced far fewer app crashes both in terms of raw numbers and percentages than Windows... naturally one can ask which apps was I running in each instance (as there are loads not available for Linux but for XP) and most apps under Linux are open sourced...
I can honestly say that I have not had GNOME or KDE lock up on me (yet), perhaps here I am (very) lucky... I have crashed X though when I was writing a GL app (I messed up there), but X crashed, not the entire OS and I could restart X from the command line.. but this was the only time I've had X crash...
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I know that this isn't the same as Linux crashing, but what's the purpose of an OS if you can't run decent software on it?
there is lots of decent stuff under Linux, just not at the shops usually... OpenOffice is more than adequate for my office uses, and I use Firefox in Windows and Linux (sometimes Opera) and I actually prefer my development environment in Linux over Windows...
though I have not used any of the compositing window manager effects as they seem to me to be still in the beta quality stage (and it just looks neat, does not really do anything for me)
but I can say this with complete honesty: XP crashes on me usually atleast once per day (often more) and it is not like I am negligent:
a) Firewall -ZoneLabs as XP's is not as good
b) AntiVirus -avast!
c) sfc --> restore and maintain XP system files (it's an XP utility)
the crash of XP is like this: App crashes and takes XP with it... atleast in Linux if the app crashes it is really hard to take X or (if ever) the kernel with it...
on the stretches where I only use Linux, I get no crashes... but some games that I wish to play are XP/2000 only... which really bums me out at times...
but for work, I prefer Linux over Windows anytime... I just can't trust XP (or 2000 or 9x) too many crashes left a bad taste in my mouth.