"I don't think it's correct. If the game crashes, you just have to reload again and it works until you end the game and reload yet again. Then it will crash and you'll have to reload again. So it doesn't get unplayable.
Anyway, that glitch exists and happens with flags that have the "Deng" or "Ning" character on them. Zyzyfer did a workaround and recreated them on free officer spots while disabling the original officers.
If you don't play the X series, you'll have to watch out when marching out Deng Ai, Deng Zhong, Deng Zhi, Deng Mao or Ning Sui and save before you do so. Or you'll have to watch out if you know that one of these generals is alive and could be somewhere on the map.
The "best" place to reproduce the glitch is Rise of Heroes by scrolling towards Jiangzhou (Deng Ai's city)." - Lord_cao_cao of Kongming forums