Funcom is aware of the crashing/loading issues. Basically they are running into Out Of Memory (OOM) issues and they have hired some developers and moved some internal staff around to fix the problems plaguing the XBOX version. There are four developer notes that explain what the situation is in more detail. (Note 1 Note 2 Note 3 Note 4). It will unfortunately take some time to fix so we have to be patient a bit longer. As to your nudity issue, there is a different bug that has been around for a while where your settings get reset after you log off. It is possible that you have to just reset your setting to partial nudity each time you play the game.
Hope this helps.