You must have a piece of software that is not playing nice on your treo!
I've had mine since the first day they have been available and never once have had a crash and lost everything or had it lock up and have to do a hard reset.
I definitley recommend a back up software so that you can back up your device to an SD card for quick restoring though.
Have a look at backupMan. Worth every penny.
http://palmgear.com/index.cfm?fuseac...=&prodID=46552