But I think this hardware dependant, I've a powerful comp.
I'm thinking this too. I'm running on a laptop that's getting a bit old now, and I find it is generally stable until I get past 1.5million points. Anything beyond that for me and its Russian Roulette whether or not I'll run out of memory and crash.
I haven't run into any file corruption issues with v4 yet, but I still save at least 2-3 versions of a tool anyway (and often).