I've reformatted my computer just to see it's effects as underclocking my CPU and lowering the voltage. I really don't like having to do that but I haven't crashed since doing so. Temps don't jump to 70C+ anymore either. Not exactly steps I want to take but since they are working for the moment I guess they'll have to do until new power supply comes and I can see if that helps. Hopefully the old one not supplying enough power to the vid card is the cause, though I'm not fully seeing how that'd be the case for over heating the cpu.