Then I'd definitely test the RAM extensively. Furmark utterly rapes a GPU, so it the problem was a faulty GPU or PSU then Furmark would kill it. Same with Heaven and the like. Remember that these stress tests have a very uniform way of operating to in order to be repeatable test. Gaming is a lot more random with what information is loaded and to where, so the data transfer in games could be tripping parts of memory that aren't used in other benches. Note this also applies to your GPU's RAM as well.It never happens when benchmarking or running FurMark or Heaven or anything like that.
And I would REALLY REALLY not buy 10th Gen Intel. I know you said you can't wait, but you're going to shoot yourself in the foot with Zen 3 due imminently. If you do end up buying a new system, get a decent B550 or X570 board and a low-end Ryzen 300 like a 3600 or even 3300X for cheap, and run that for a few months until the 4000 series lands. You say you don't wnt to buy more outdated hardware, but you're doing just that with Comet Lake. It's rubbish, and so will Rocket Lake be too.