I have University, Nightlife and Bon Voyage, with over 2800 CC, including Insim (without updates, it doesn't work), that Phone thing from Descorgal I think, uh, one where the guys can pee on shrubs and possibly some others.
Up until a few days ago, my game worked fine. Then I downloaded a house which was compatible with BV (it required it, actually) and when I went to move one of my existing Sims into that house, I lost my CP and time stopped. I could still click, but that was all. I had to use the Task Manager to get out. When I got back in and tried her again, it worked fine.
Then! Today I went into CAS after making a boy in Bodyshop and I clicked the 'Make New Sim' as usual, only to find that no Sim showed up. I thought it was a weird new feature, until I went to the ready-made sims and selected my boy. He did not show up at all. Unwilling to risk him, I made a woman called 'moo' whom I completed (by giving her aspiration and turn-on/offs) and when it got to the loading screen to go back to the neighbourhood she was there. I picked a lot and put her in, and when it loaded up I had the same problem as before! Even though it was a completely empty lot. This time, though, I could move her around, though it was like the Sims didn't even recognise I had a keyboard.
So, I'm going to delete Insim and go disable the stuff that came with the lot. I'll leave that there. I shall go check and report back.
Turns out Insim just really didn't like it. It's strange, I had Insim for ages and it only decided to hate me when I installed that new lot. At least I know that my game works! -celebrate-
Oh, and I went on holiday for the longest time available and my sims didn't go back to their hotel at all until the end of the visit (cheats) and my game didn't lag or screw up at all. And it's not all that fancy a computer, either.