Nutella it crashes either way. Am now exploring whether or not it's a corrupted save file. Hubby went online and found there are several folks having crashes, some with cheats, some without. The fix for it, (I hope), is rename your Sims 4 folder to something else, like Sims 4 backup. Close. Go to your game and click on it. You will have lost all your saved files unless you saved the saves folder. I saved my folder, replaced it, played and got crashes. So I'm assuming it's a corrupted save file. Will now go back in, create another Sim since I can't figure out how to play from my gallery or library, play and see what happens.
The other response was to play in Window mode vs full screen. Supposedly that will save crashes if it is not a corrupted file. Since I was playing in Window mode it is likely a corrupted file.