Thanks for that advice, but I'm going to have to ignore it. The fact that my PC doesn't really meet the minimum requirements is probably a large factor in this. Also, I can't play Oblivion or Morrowind just plain vanilla. I have to have mods.Mods can interfere with the game. If you can't get the game to load, then try turning off all unofficial mods and see if that helps. ?
As for factions, I've done a little of the fighters guild, and I've done up to the last mission in the thieves guild before starting over with my custom monk.