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Run the game in a full-screen sized window, and set UAC to not dim the desktop, and UAC will never crash the game. do this and alt tab will never crash the game either. It's not a 100% perfect solution because yes, you will still at least see part of the title bar, but that's a small price to pay for the ability to do those things.
You forgot the 5-10fps drop, depending on your graphics hardware and settings. Win7 (and I think Win8) only stops rendering the desktop and Aero if a program switches to exclusive mode.