Plopped the new cooler on and its keeping at 35C even clocked at 2.5....
Since the overclocking has no effect on the stuttering issue i decided i'd go 2.5 again and try independant sticks of ram.
So far, i've reseated the graphics card cooler with arctic, dropped my temps down already, i was 63C idle, now i'm 51C idle.
I reseated the chipset cooler on the motherboard and applied some arctic.
Also unplugged anything i don't need in, bare essentials, and this hasnt helped either.
So its not memory, its not a heat issue with the x1800 or the cpu, and hard drives seem fine, temps also done on those since i repositioned them.
So its either a problem with the HDD, mobo or PSU as i see it. Unless the cpu is playing up, but its the same only the slower at stock (slower meaning boot times and speed of loading aps/games).
Just installed the latest ati cats again and they've given me better fps then they did last time.
Going to try some different mobo drivers next, then switch around the audio drivers to.
I had about 10 mins the other night where it worked perfect, which is another reason to suspect power or heat, but my temps are all awesome right now, better then before and its made no difference at all.