Its probably in conjunction with something else. I have had several bugs which only occur under unknown conditions in conjunction with other states.
That won't happen in 0.16.9 and should fix itself if you load your save at least once before going for panties!
You're probably playing on an older save AND you didn't try saving and loading your game at least once, like I've said. Or is it always the same pair of panties giving you the crash?
