Yeah you are right. Some servers use different DB's and some even have all of their zone coord. set themselves, while others reliy on the ones that came wtih the DB, and some are NOT correct (though most are) and this will definately cause crashes, though I believe it to be something different (at least some of the time).. Check out this thread if you want to see my opnion on what is going on here....
http://www.eqemulator.net/forums/viewtopic.php?t=13639