@IndrianaYT That patch level is actually correct; I just checked the latest patch notes instead of looking in-game and forgot there had been another sort-of-emergency patch with no notes (sorry).
While 4 GB RAM isn't a lot for Sims 4, particularly if you play with a number of expansion packs, it shouldn't cause the game to crash only when mods are present. Still, if you can spare another 2 GB, at least long enough to test, that's worth doing.
Do you use a third-party antivirus in either Windows or macOS? If so, try disabling it, at least long enough to test.
Another useful test would be to create a new Windows admin account and try using a newly downloaded mod in that account. You wouldn't have access to your saves or other user content while in the new account, but that could be addressed later. For the new account, it should be local, as in, don't sign into Microsoft; the username should contain only letters and/or numbers, no special characters.
On a different note, is there a reason you'd like to keep playing in Parallels? Sims 4 runs pretty well in macOS, give or take some (usually relatively minor) issues. The game does run better in Windows, but on the flip side, Parallels isn't an ideal Windows environment, for example its graphics drivers are often somewhat dated and not exactly optimized.
I'll keep trying to help as long as you want to keep troubleshooting; I'm just suggesting that the path of least resistance may be to play in macOS.