When explorer (the shell and file browser, don't know if those are fully separate under Win 10) crashes, it is automatically restarted and would not close any other running programs and would not log you out.

...and that's probably the reason why they don't seem to get fixed. I've had clean installs of Win10 and 8.1 crash it often, just by browsing through a lot of files.

Thats a regular occurrence for me and people I know. My boss inserted a USB drive and Explorer crashed. It restarted itself, but crashed again. Until the drive was unplugged, at which time Windows made a bunch of error noises and popped up a "Catastrophic failure" dialog. It then worked OK after the USB drive was reinserted. The laptop cost ~3500€ and was installed and set up by the IT department with extra care because it's for the boss. It didn't matter, Windows 10 doesn't pick it's victims.