I can gather more detail on system details and solution. I do have all updates current in both FMS 12 and client software. Server hosting seemed not to be a factor, as I was seeing same issues just opening file locally. Issue occurred in both FMP and FMP Advanced.
Also, issue is not consistent, although I'd say mostly persistent. At times, I was able to create a few records in a row, and it would crash on 5th or 6th attempt. More often, I don't get past first attempt.
I eliminated bad data as factor, I believe. After my file recovery, I created a clone copy and compacted. In the clone copy with zero records, I tried basic command to create new records and replicated the crash issue after 3rd or 4th record creation.