Yeah, one of the long-standing boners of the new floppy system is that higher-density drives can't read lower-density disks even though that's entirely possible on real hardware. If that was solved we could just default everything to the highest density drives and the crash wouldn't be a problem. (Although of course the crash should still be fixed).
That's the case with DD disks in a HD drive, e.g. on an AT class machine. A real 1.2MB drive can read 360K disks, so they sort of "belong" to that drive.
Here the 96tpi disk can never be read in the 48tpi drive, so rejecting it is correct - but doing so with a crash is annoying.
On real hardware the Computer's OS would have to decide what to do (Sector not found, Disk Error, Drive not ready) if you can physically cram the disk into the drive.
Maybe our file selector could display some basic data about the disk image (e.g. DD,QD,HD,GCR,FM,MFM, mixed, tracks/sectors/sides), and then load the disk and let the emulated OS do its thing.
This would be a nice approach for machines that were especially praised for their ability to cope with foreign formats, e.g. Commodore 128 or Kaypro II/10.