CPU utilization depends on many factors. E.g if game is CPU bound or GPU bound. Then, how many background tasks you're running. Also, if you have FPS cap in-game or not.
But good way to see if you're held back by CPU or GPU, is to:
Take 2-4 of your games, on medium/high setting (or settings you play at, other than low/min) and look the FPS you're getting.
Then, reduce the in-game graphics to low/min and look if you had FPS increase.
You may even want to reduce reso (e.g from 1080p to 720p or 1440p to 1080p) to see if you gain FPS. But idea is to put lower load on GPU, to see if there is headroom in system or not.
If FPS did increase (more than ~10 FPS), then it means your CPU has headroom and better GPU can give more FPS.
But if FPS remained same (+/- 5 FPS), then your GPU is held back by the CPU and better GPU gives 0 in terms of performance. Whereby, better to look at CPU upgrade (that is, if CPU isn't bogged down by bloatware).
To see which programs hog your system resources, download and run Process Explorer,
link:
https://docs.microsoft.com/en-us/sysinternals/downloads/process-explorer
Guide on how to understand it,
link:
https://www.pcworld.com/article/406...ee-supercharged-task-manager-alternative.html
Model of the unit is? How old it is? And was it bought new or used/refurbished?