So it's Windows Media Player that crashes?
Have you got the latest version of Quicktime Player? Does it crash when you play this file?
The file that Premiere Elements is the same, whether your add bars & tone to it or not. So there must be something else going on. Most likely with Windows Media Player. (I assume you've manually gone to Windows Update and downloaded the "hidden" updates, which often include updates to the media player that don't install automatically.)