Thanks for the reply Om3n.
I've consulted my logs, and the crashes started on Apr 1, 2007. Joke's on me, I guess.
The day before (3/31), I installed an update that reads: "Install this update to resolve reliability issues with some USB hardware devices and controllers." I don't think that's the issue.
A few days after (4/3/2007), I installed an update that solves: "A security issue has been identified that could allow an attacker to compromise your Windows-based system and gain control over it." It could be this, but I am not technical enough to go into it. The link given is here:
http://go.microsoft.com/fwlink/?LinkId=84687 -- It talks about some Elevation of Privilege vulnerabilities, but until I started having crashes, I was not running this program as Administrator.
I will roll back this update and see what develops.
I reboot my computer often, and I had in fact rebooted many times since moving to D:\mIRC on 3/12/2007.