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It could very well be the upgrade card that leads to the problems. One other possibility I can think of is that you may have one or more kernel extensions (.kext) installed to handle your various external devices. If so, they may be the cause of the trouble you're seeing. Kernel panics can only be caused by low-level software (the OS, kernel extensions, etc). Applications, such as MA, may trigger such problems (through calls to system API's) but cannot cause them directly.
If you find that kernel extensions have been added to your system for your external devices, try removing these extensions and see if the trouble persists.
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