IMHO the 40GB full HDD file should work just fine when connected to the UAE controller.
If WinUAE crashes (winuae.exe), then go to eab.abime.net and ask Toni Wilen for support.
If AmigaOS crashes (red guru), you probably have some software installed which is incompatible with your "new Amiga". Either tweak the configuration until it matches your real Amiga or delete the incompatible software.
If you want to use single-partition HDFs, make sure that you enter the correct geometry (Surfaces, Sectors, Reserved, Block size).
And do not swap different versions of SFS forth and back. Especially downgrades are incompatible. Once a new version of SFS had access to a parition, that partition might no longer work on older versions.
Bye,
Thomas