I'm not sure when it was fixed but /loadui works really well now. You still need to zone once to initialize some data and it kills your uisettings, but otherwise I was not able to get it to crash once after trying it out extensively.
Also, you do no longer have to go back to the DefaultUI before reloading your custom UI after editing something, you can now do this directly (and via the command line
/loadui ProfitUI). It even loads the graphics with the UI now.
Whoever fixed that, these are for you: