The AMD Ryzen CPUs have a VME bug, which was mostly fixed in the latest revisions and BIOS updates, but hasn't been entirely fixed for hybrid 16/32 bit OSes (such as Windows 9x). A solution to this is to disable the 32 bit protected disk drivers (go into Safe Mode, then System Properties > Performance > File System > Troubleshooting > Disable all 32-bit protected mode disk drivers), and then install the 48-bit LBA fix, as well as all of the previously released Windows 98 updates. Then, you should be able to re-enable the 32 bit drivers.
This may not guarantee 100% stability, but it seems to work fine for me.