Its not as buggy as the internet makes it out to be.
I put close to 80 hours in. I played through the main campaign with all quests completed, half of Broken Steel and all of Operation Anchorage and Mothership Zeta. The game crashed three times, momentarily froze about another four times (took about 15 seconds to unfreeze). I didnt have any incidents of not being able to complete a quest due to a glitch or that kind of thing, although one time when I was just wandering I got stuck on the geometry of the world and had to reset.
My recommendation would be to immediately save your game when it freezes and recovers because everytime the game actually crashed, it was preceeded by one of those freezings. The up side is that the game also autosaves really frequently, so even when it does crash, you rarely have to fight back through a lot. Mothership did seem to have the most problems, but my understanding is that the GotY is more stable than the downloaded DLCs.