I get crashes usually on loading areas or fast travel several times a night (every hour or two est) . Is this just a thing or is something wrong with my install ?

Thats normal for Fallout 4 as a whole, so yes its normal for Fallout London too.

No, not my experience AT ALL, and I play with a well modded FO4: 149 mods and 121 plugins. Yes, BGS games are not the most stable, there will be occasional crashes but not as frequent as OP has.

Then there is the issue of hardware and background processes -- everybody loves to 'blame the game' but some\many\most need to look at the client side first...

FOLON I cannot say (waiting for more patches) but sounds like there are issues, read the pinned threads etc. and do not mod if the base game is unstable
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Good for you.

A tremendous personal insight to the thread, you must be so proud. Keep it up...

Not really.

Unless you mod the crap out of the game, of course. But, then it's your own fault, as mods typically bring in instabilities, as Fallout London demonstrates.