Thank you all,
I took everyones advise and no longer, or rarely crash.
So, if anyone else is suffering, close tabs, give pages and applications time to load. Shut down from time to time, (I thought I was shutting down when I was sleeping), and when all else fails reboot.
At the time of this post I was not jailbroken, no 3rd party apps and pre 2.0, I think the Wi-Fi post is a different problem.