Again, assumptions by using word association. You have no idea what the word 'surge' means until defined by specific current, voltage, frequency, duration, etc numbers. Those completely different disturbances, each called a 'surge', are from different anomalies involving different (and unrelated) circuits.With regards to the plug, I thought, that a surge could come through the AC side to the PSU and this is what triggered the motherboard warning.
Same mistake was made with the word 'load'. Long before recommending what causes a load, first define what is accomplished by a maximum load. And where that load must exist. Where a load must be significant, Prime95 creates a tiny load.
Will connecting or disconnecting USB devices cause a surge? Unknown until those changes are first defined with parameters. Numbers that define which word 'surge' applies.
Also assumed, current on the 12 volt line is relevant to what happens on the 3.3 or 5 volt rails. Each voltage is defined uniquely by its own current and other unique electrical parameters. Each rail must be loaded.
Defined are how the OP obtains numbers so that a reply is without doubt or speculation. To either define or exonerate so many suspects. If the meter and load confirm those BIOS numbers, then move on to other suspects.
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