FINALLY FOUND THE SOLUTION.
My coop partner started his save file with a explicit genitals mod (me as well) and we forgot about it completely. We discovered that it only crashes when one of us plays as female, so we figured it must be that.
Genitals and breasts mod installed - NO MORE CRASHES...
So, me and my brother are marathoning the entire series again and we both got Saints Row IV: Game of the Century Edition on Steam.
The problem is the following - every time I change my clothes, everything is fine, but when I do it again, it crashes the game for him (not for me).
That's kind of...
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