Why (And how) are you running Panda antivirus AND Windows defender? You shouldn't be able to run both simultaneously. If any 3rd party antivirus is installed Windows defender should automatically disable itself and assign all scan functions to the 3rd party utility. Besides which, Windows defender is likely BETTER than Panda in any case. I would recommend that you UNINSTALL Panda antivirus and run ONLY Windows defender.
Current iterations of Windows defender are not the weak, watered down tools from years past. Recent reviews of all the top antivirus/antimalware utilities show Windows defender either at the top or within the top three. Since it's already built into Windows anyhow, it makes very little sense to run anything else. I have lifetime subscriptions to Malwarebytes, Spybot search and destroy antivirus/antimalware and a couple of others, and I don't even use them anymore because using them is simply adding bloat to the system where none is a necessity. Defender works perfectly fine on it's own. It is ALL I have used in the last three or four years. I have had ZERO problems. If you HAVE problems while using Defender, then it's due to poor browsing or other habits, and you almost certainly would have had the same problem no matter WHAT utility you had installed. So again, no point.
Plus, there is always a significant chance that your antivirus may be the culprit here. I'd uninstall it, then run Windows update to ensure that Windows defender has the latest virus definitions, and then run a full system scan. Then run an OFFLINE scan.
I'd also make sure, using HWinfo, that while you THINK you don't have a thermal problem, you really don't. The reason I say that is because MANY people believe they don't have a thermal problem because they see CPU core temperatures that are within specifications and think that's all there is to it, not realizing that they might ACTUALLY be overheating and the system is throttling the CPU to keep temperatures in check. Since you don't clearly indicate WHAT temp isn't exceeding 45 degrees, or what utility you are using to determine that, it's almost the same as not saying anything at all.
It would also be helpful, as a place to start, if you actually listed ALL of your hardware specifications including CPU, motherboard, memory kit, power supply, CPU cooler, case, number of case fans, location of each case fan, orientation (Intake or exhaust) of each case fan for each location and the currently installed BIOS version. Making sure all drivers for the onboard motherboard components, for the graphics card and for any peripherals, are all up to date, manually, not relying on any "automatic" utilities to tell you if they are up to date or not, would be another very good thing to do.