Can you not make "Suggested Talents" the default?
Every time I get a crash, I have to come back and redo all my keybinds and also forget that the "Suggested Talents" is checked in on default and I have to uncheck it before it suggest all my talents. Now I have a drafted char with bunch of talents I didn't want. I can't play him anymore.
While I agree that that needs to NOT be default, if you're crashing, that's why nothing saves, it only saves settings on a successful exit. To fix this, set your settings, then exit the game through the menu so it can save and log back in before you continue.
Also, you should figure out why you're crashing so you can do something to prevent it, nothing should be crashing you.