I'd bet a clean windows install will sort this. Steam is problematic for no apparent reason at times.
Your card technically could be under warranty even if second hand. Check the serial number on the manufacturer's site to see.
bit the bullet and gone for another reinstall on new ssd drive i was gonna use in new build not 100% sure my ssd wasn't faulty so trying on new one
my previous one has played up in past trying to eliminate all possible causes