Stuttering System when using productivity applications

[X82]

This is going to be difficult to show, let alone explain but I will try.

For many many months now, my PC has had this issue with stuttering.
As an example, if I am using Excel and working on a spreadsheet, scrolling, messing with data models etc, Spotify will stutter a bit. I also notice a stutter with the mouse movements.

This can actually be easily replicated inside Photoshop. When I'm editing text it gets a lot worse. I'm happy to take a screen recording if it helps.

I've looked at the resource monitor and task manager, but it's not showing me any thing obvious.
This has been happening for months and the machine has been wiped since and it still does it.

To be clear, I can play games on max settings no problem. No issues there. Just for applications like Excel and Photoshop which seem to cause issues. Possible graphics card issues? I pray not since this card cost me a fortune.

Here is a quick dump from Speccy:

Operating System
Windows 11 Pro 64-bit

CPU
Intel Core i9 9900KF @ 3.60GHz 54 °C
Coffee Lake 14nm Technology

RAM
32.0GB Dual-Channel Unknown @ 1800MHz (18-19-19-39)

Motherboard
Gigabyte Technology Co. Ltd. Z390 AORUS MASTER-CF (U3E1) 39 °C

Graphics
Dell AW3418DW¥A# ƒ (3440x1440@120Hz)
2270W (1920x1080@60Hz)
3071MB NVIDIA GeForce RTX 2080 Ti (Gigabyte) 39 °C

Storage
5589GB Seagate ST6000DM003-2CY186 (SATA ) 41 °C
1397GB SAMSUNG HD154UI (SATA ) 32 °C
953GB Sabrent (Unknown (SSD))
1907GB Sabrent (Unknown (SSD))

Audio
EVGA NU Audio

Any ideas where to even start?
BIOS is updated to latest and I always update NVidia drivers the moment they are released.

This issue isn't a crippling problem, it's just annoying and would like to find out why it does this.
I don't use any other heavy apps to test, but Excel & Photoshop for sure.

 

[X82]

Well, I think I might of stumbled onto the problem by mistake here.

I tried a few settings suggested here and no dice. So I wanted to record the issue. I hit the record button which NVidia uses when I record game footage.
This asked me if I wanted to record the desktop, so yes. Whilst recording there were NO issues. Smooth mouth and no stuttering.

I stopped recording and noticed the mouse was lagging again when selecting text in Photoshop (although this time, no audio stuttering from Spotify). NVidia overlay/experience the problem here?

I tried disabling the overlay and closed Geforce Experience, but still the same problem. Only when the thing records the desktop does it smooth out in Photoshop. Very odd.