To further add to the strangeness of this issue. If I move the 5th character to another account, like my admin account then both accounts are fine. When I move that character back to the original account it crashes.
If I leave the newly added character to the admin account but then create a new character on the crashing account, it appears fine. I have checked all starting items, they all exist. The spawn location for the character definitely exist, since it only happens on Underfoot that is another oddity. I have seen one or two post here from searching that hint at the same problem but no one ever reported back that they figured it out, I definitely will report back the resolution.
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