I think it is important where you live, since as for me i have like 1-2 crashes per day.
for some people crashes happen because the server is placed in europe, and there are people who play which not live in or near europe at all, atleast thats what if think is the Problem for a few players.
I think, the crashes are happening because the loading time of the cutscenes and the long distance to the server, not because of lucy. I could be wrong though...
Of course there are many unfixed bugs that could lead to crashes too, but i think the BSW team will do what they can about it, sooner or later.
So maybe there are some more bugs in Rocco Town when you crash there more? As for my crashes i have them everywhere equaly, no matter if im at Rocco Town or at Grace City.
About new content in the game, i personally would be happy about some Events that happen ingame. (i think that already happend a few times but i just started a few days ago.)
I have no Problem with waiting for the next bigger update with Chii since im also eagerly waiting for her. The updates inbetween are some dungeons/raids i guess which is also just getting the gear and thats it so i can wait with that, but as Sully said, you have to wait because of the needed Resources and all.
Im sorry if my english is not that Great. :D