For what its worth my 15" PowerBook was running fine until I upgraded to 10.3.2.
Safari was crashing on me a lot prior to the upgrade, so additional crashes aren't that much of a change for me, so I won't comment on those.
But my Xjournal crashed last night, and my Excel crashed this morning.
Going from apps not crashing at all to having 2 crash within a few hours of each other seems a bit off.
I haven't tried the permissions or preferences changes yet. I'm loathe to have to delete information or do extra changes when the issue shouldn't be there in the first place.
If I see continued crashes, then my only choice I suppose is to do such things.
I'm a recent switcher and this type of thing is not what one wants to see - crashing apps didn't even happen to me at this rate under XP to be honest.