What is your temperature at idle?
If you are seeing more than 10-15c. over ambient. your cooler is not mounted well or the fan is not functioning.
The cooler you linked is no better than the stock intel cooler that comes with a i3-8400.
Pushpin coolers are difficult to mount if you have never done it before.
See my tutorial on that at the end of this post.
If your processor runs too hot, it might be throttling.
That will lower the multiplier and will drive up the cpu utilization.
That could explain your symptoms.
The stock intel cooler is normally just fine for a non overclockable processor.
What is the make/model of your case?
How is the intake airflow into your case?
Any pc case needs a decent supply of fresh air to let the cpu and gpu coolers perform properly.
Usually, this is two 120/140mm front intake fans.
If you take the case covers off and direct a house fan at the innards, does that help?
Your psu is unknown to me. If it is of poor quality, it may not be delivering advertised power to your graphics card.
Mismatched ram often does not work properly.
Run memtest86.
You should be able to complete a full pass with NO errors.
Intel ram controllers have a "flex" mode where the matching 8gb in each channel will operate in dual channel mode and the odd 8gb will run in single channel mode.
Using a discrete graphics card, there should be minimal impact on performance.
Think 2%
----------------how to mount the stock Intel cooler--------------
The stock Intel cooler can be tricky to install.
A poor installation will result in higher cpu temperatures.
If properly mounted, you should expect temperatures at idle to be 10-15c. over ambient.
To mount the Intel stock cooler properly, place the motherboard on top of the foam or cardboard backing that was packed with the motherboard.
The stock cooler will come with paste pre applied, it looks like three grey strips.
The 4 push pins should come in the proper position for installation, that is with the pins rotated in the opposite direction of the arrow,(clockwise)
and pulled up as far as they can go.
Take the time to play with the pushpin mechanism until you know how they work.
Orient the 4 pins so that they are exactly over the motherboard holes.
If one is out of place, you will damage the pins which are delicate.
Push down on a DIAGONAL pair of pins at the same time. Then the other pair.
When you push down on the top black pins, it expands the white plastic pins to fix the cooler in place.
If you do them one at a time, you will not get the cooler on straight.
Lastly, look at the back of the motherboard to verify that all 4 pins are equally through the motherboard, and that the cooler is on firmly.
This last step must be done, which is why the motherboard should be out of the case to do the job. Or you need a case with a opening that lets you see the pins.
It is possible to mount the cooler with the motherboard mounted in the case, but you can then never be certain that the push pins are inserted properly
unless you can verify that the pins are through the motherboard and locked.
If you should need to remove the cooler, turn the pins counter clockwise to unlock them.
You will need to clean off the old paste and reapply new if you ever take the cooler off.
Clean off old paste with alcohol and a lint free paper like a coffee filter.
Apply new paste sparingly. A small rice sized drop in the center will spread our under heat and pressure.
Too much paste is bad, it will act as an insulator.
It is hard to use too little.
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