Often you will BSOD of death before finding your stable settings and may trigger a format of W10 etc - it all becomes time consuming and hassle
Yup or you get settings that seems stable but a random occurrence in a game or something can cause a crash putting you back to square one. And if you're also clocking up the cpu and gpu you've even more to wade through to try and find the cause. Had this issue in battlefield 5 where a mish mash of effects that would only occur occasionally would cause a crash with certain clocked gpu settings.