after reading some of the comments here especialy the one by "Ahile"
i decided to register to the site to share the way to fix the "neverwinter nights 2 has encountered a problem and needs to close...blah blah blah"
what i did is to mount the "poseden_MAXI_NWN2.mdf" with DT 4.06
then run YASU 1.04
then go to nwn2 directory open the file nwn.ini and change the "CD0=X"
where "X" is u have to put the cd letter which DT image uses.
after i done this i could run the "nwn2main_amdxp.exe" which previously allways crashed.
nwn2main.exe still crashes but perhaps thats because i have AMD and XP
by the way i have the latest patch applied 1.0.3.840!
Hope this helps at least some of you guys