I would still definitely recommend a journaled filesystem even when using a swap file. Having the occasional flash drive failure is par for the course, but the rate you're getting through them makes me think this is a problem unique to your setup. Otherwise why isn't this forum flooded with "me too" posts? Rather than being a software problem perhaps there is an electrical issue with your router's USB socket, or it's getting too hot....
If the problem is caused by the volume of write operations then I'd say that either you're using exceptionally poor quality flash drives (my router's flash drive has been in use for 6 years) or your router is thrashing the flash drive. If it's thrashing then you need to find out why.