I haven't had many problems with apps crashing since 2.1.
As for Safari, I think it really depends on what websites you visit. Some seem to cause Safari to puke more than others, so depending on where you surf, you may see Safari die a lot more than others.
The generic sites I spend a lot of time on (craigslist, Fox News iPhone page, Weather Underground's iPhone page, my local news station mobile page, MacRumors mobile page, Amazon's mobile page) rarely crash Safari for me.