Note that if, despite all the absurd extra code I put in, you are still having problems, it may not be code at all, so check connections, power cables, adequate power, OS etc.
I know, and I keep trying to isolate such things but no clear result yet other than - one of my machines ran 24/7 for weeks without a single anomaly, no zombies or crashes, on 3.1.something but two of my machines started to have random zombies on all versions from 3.4 on. I'm not saying cgminer is flawed - the later versions might have uncovered some previously unseen Windows bug, for instance, but the problems (for me) seemed to start after 3.1.
Because of this, I'm fairly sure it's not most of the things you list, but it could certainly be OS, which for me is latest Win7 64.
Gotta do some dirtspace things for most of the day, but I'll get a log Real Soon Now and also set a machine back to 3.1 and see if it becomes stable again.
Edit: changed to 3.1 from incorrect 3.3 in several places.