Use another payload (with syscall36), it should never crash inside game now
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Yes, you can bring it via FTP or external HDD on your PS3 and you can play every game that required Firmware 3.55 or below can be played without any problem. You can check the required Firmware version at damox.net/ps3gamesdb.php?type=PS3®ion=ALL in the PS3_SYSTEM_VERSION column.
You can check the release notes from a game which you are interested in here (http://www.ps3news.com/subdomain.php?pagename=nfo) or look at the PARAM.SFO with an HEX-editor - when you downloaded and extract the game, to see which Firmware the EBOOT.BIN needs.