The thing is that the issue is not how often it happens. It never happens if I'm not playing games. I can have 10 programs running from the task bar and be downloading 4 files and my computer won't crash. Inside the general OS my machine has been rock solid since I replaced the motherboard, which was the original culprit.

I'll try memtest again first, then possibly try underclocking. I've never down under/overclocking before though...