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I just tried a random lobby San Martin Bank and the same thing happened. Don't know how to read the crash logs but all the crashes I had today say the same thing
"Application has crashed: C++ exception
Could not load texture because IDirect3D9::CreateTexture call failed.
Direct3D could not allocate sufficient memory to complete the call."
How do I know how much is enough? Is "Medium" enough or does it need to be on Low?
Medium *should* be fine. If you get the same crash again, just lower the graphics even further.
Which specific settings would do the most? Shadows? Textures? SSAO? Antialiasing? Number of Corpses? I noticed I had number of Corpses set to Ultra, which was the highest of all my settings.
EDIT: Crashed on San Martin Bank within a minute.
Textures and Shadows is where the bulk of graphical processing goes. Even on High settings, it's possible to get through heists with no issues; it's just that on High settings you're always dangerously close to the game going over it's memory limit.
Pretty much this.