Ok, this makes no sense to me, but I can get the default rtl818se driver to load only AFTER ndiswrapper has loaded.
1) Have ndiswrapper load up the windows driver.
2) sudo rmmod ndiswrapper
3) sudo modprobe rtl8187se
This will allow loading of the rtl8187se driver without causing a kernel panic. Don't ask me why this works, it just does.