It is a nonexistant creature someone's trying to create, obviously by script if the only actor in the area is fine. Since you seem to know your way around DLTCEP and the console, maybe you can get the bottom to this finally.Someone mentioned here the area was AR0512, so I open it in DLTCEP and it tells me the only actor in the area is a Guardian Vottnar (BHELM is the creature name). So I try command consoling him into existance right there in the Bridge district and curiously, no crash, dialogue is fine, nothing funky. So I try command console teleporting into AR0512, and there's the crash again. I'm not knowledgable enough about these things to speculate as to what could be causing this, so I'll leave that to the experts.
Edit the ar0512.bcs script in DLTCEP and look for any CreateCreature references. Try consoling them in one at a time. One of them has to cause a crash, based on the reported data. On my BWP install, there are only about 5 or 10 of these, so it's not like a huge number. When you find the one that crashes, do a 'weidu --change-log file.cre' from the command prompt to see which mod put it in (see the pinned megamod FAQ if you need help with that). Could be something as stupid as a typo (misspelled cre name).
As for the Cowled bug, you could try some things I suggested above if you feel comfortable editing scripts etc. Alternatively, someone could recommend temujin look into it for his QuestPack patch here (doesn't appear to reference this issue).