That sounds like a good PSU. You and the "somebody" who told you are correct that the RAM doesn't actually run at 3200 mHz. Having never myself been a pro at overclocking, I let the defaults provided in my UEFI/BIOS do the job. So the question is whether you were doing the settings manually, with a potential for making a mistake (which would be my situation) or whether there is a very easy setting for noobs that takes care of it for you (what I did, do).
To have the BIOS/UEFI (UEFI is just a more up to date name for BIOS)
keep the changes you make the usual procedure is to hit F10 which will save changes and toss you out of BIOS into a boot up of the system. It is possible that you went through the trouble of setting the overclock speeds for the RAM and maybe forgot to save the changes?
You might also have an option to set your fans to an automatic routine where the BIOS will pretty much keep the fans low unless there is a need to increase fan speed. This might be relevant to your issue since if the system is overheating it might display some of the inefficiences you describe.
By the by I'm only marginally less of a noob. Part of what got me through my most recent build is (a) the people here and (b) these two videos from Newegg.
I went through part II twice, once just watching it and the second time stopping it and taking notes.
I also looked up terms like chipset. It's a bunch of chips 'n' stuff that are on the mobo and help make your cpu and gpu work. Read wiki link for the more formal definition.
Hope that helps,
Greg N