I'm now using a Samsung Evo Select (128GB). Along with disabling the DRAM options, I held R to open the HB menu instead of using the HBmenu NSP. I'm also using unzipped ROMs since they're going to be unzipped anyway, as I found out after the first time RA crashed.
And it STILL crashes while playing Banjo-Kazooie.
And it STILL crashes while playing Banjo-Kazooie.