I highly recommend you start using DGVoodoo then, it will solve all of your problems.
Download WIP35 here (that's the version I'm using, I don't know about the recent ones) :
http://dege.fw.hu/temp/dgVoodooWIP35.zip
inside DGvoodoo\MS\ copy d3d8.dll into your
PlayOnline\SquareEnix\playonlineviewer folder
download D3DCompiler_47 here
http://dege.freeweb.hu/dgVoodoo2/D3DCompiler_47.zip
unzip and copy the file into c:\windows\syswow64
or c:\windows\system32 if you're running Windows 7 32Bits
(if it's already there, go to next step.)
Run the game as usual with windower.
No more crash, better graphics, better performance.
(things like crashing when CTRL+ALT+DEL, FFXI stopped responding etc.. will be gone)
Here's the original thread you might have missed 4 months ago
http://www.ffxiah.com/forum/topic/50992/ffxi-finally-in-high-quality-graphics