yes it is that bad. my phone will spontaneously reboot or exit to the home screen quite frequently while using applications. even rebooted once during a call. I can say with absolute certainty that it is the most unstable finicky OS since the classic mac OS (ah the days when I hated macs). It is also known that the more applications you have installed the more unstable it gets so that explains why I have alot of issues while others have none.You bring up a good point about the crashing, I had not even considered it. Is it that bad? I am a 'tweaker' so I will constantly be playing with settings, installing/uninstalling apps hacks etc
steve has promised that 2.1 software update out tomorrow will completely solve this instability, but we will see.