I worked as a hardware technician for a decade before later moving on to MIS and IT before I retired in 2012 and saw a lot of this firsthand. You've gone beyond the software and it's time to look at the hardware. Constant crashes like this are indicative of a hardware problem since you have ruled out OS and antivirus, and the fact that many of us run the program for hours at a time without hard crashes and the usual reinstall hasn't solved the problem unless you downloaded a route or other content that has some corrupted data, then that may be the problem. There is a Michigan area route that will kill the program due to something odd with it. If you haven't downloaded that one, then this isn't the problem and I would focus on the hardware.
Since this is a new machine, have your PC vendor take a look at it - hopefully it's still under warranty.
The issues are numerous but here's some to consider:
* 1) Faulty memory or poorly seated DIMMs.
2) A poorly seated CPU
3) A marginal hard drive/SSD
* 4) Heat due to poor cooling.
5) A faulty or flaky video card.
* 6) An under-powered power supply for the hardware, or one that's marginally okay.
Even with a brand-new system, any of these things are possible.
* Out of this possibilities-list, I'm leaning towards these items with more weight going towards the power supply and maybe the heat. Trainz really pushes the hardware and in particular the video card. If the power supply is inadequate for the system, this can cause crashes when the video card is drawing the most power.
I had a brand-new machine from a local builder that put the RAM in and had one DIMM that was not seated fully. It was enough to post correctly, but still a poor connection.
I have experienced this issue ages ago with a flaky power supply. The system was okay until I was running Trainz when I would get memory errors and crashes. After lots of troubleshooting and parts replacement, including replacing the RAM, the last thing to go before the motherboard was the power supply and that fixed the problem. Vendors too will put in a power supply that's just enough to meet the minimum specs for the hardware but not enough to run the machine under load. My brother recently experienced that with his PC. He does 3d modeling and graphics design work and ended up replacing the power supply with a larger one to better handle the video card that came with his PC. Since then, he hasn't had any crashes to the desktop or black screens and reboots.
Heat can choke and eventually kill RAM and CPUs, as well as other components including the video card as it causes them to work harder under stress. Usually, a CPU and video card will throttle down, but RAM can get flaky and drop bits especially if it's marginal to begin with. I've seen this both as a hardware tech and with an old PC I had.