In 1.21b10 13 November 2008 (currently at ftp://ftp.dlink.com/Gateway/dir655/Firmware/dir655_firmware_121.zip), I'm not getting router reboots. I'm getting wireless radio restarts. The number of things that trigger this behavior is limited, and the symptom is probably only noticed by those configuring wirelessly.
For example, changing from N+G+B to G+B then Save Settings restarts the wireless radio without warning, but doesn't reboot the system.
In a previous version -- perhaps two months ago -- I couldn't make a change without losing wireless the wireless connection. My impression at the time was that the router was rebooting, whether it was in fact I'm not sure. But now I'm sure that it's the wireless restarting only as the router log is not reset to empty as it is when a reboot occurs.