It sounds like a CPU power delivery problem... You say the voltages are good? What is strange is that usually a problem like a power delivery issue would result in a lot of blue screens and a system that just powers off when you hit it with a hard task. In this case it seems like the CPU is starved for power but can handle it by dumping the performance. Have you paid attention to CPU clock speeds while gaming or stress testing? Also, have you looked at the voltages while stressing the system? It could be that your system can deliver enough power at idle, but when asked to do work or overclock it just can't feed it enough. Normally it would down clock due to power, but overclocking would negate its ability to do that, so it locks up.
Give those two things a look at and we'll go from there.