Oh I should also mention it happens most often in Windows Explorer. The Explorer windows in XP just freezes a bit, and the mouse hovering doesn't highlight stuff.
By the way, I just ran memtest, program, and immediately it said that some RAM pockets were innacurate...and gave like 1000x messages that I had to end the program. Immediately after, my PC rebooted again.
So ok, my Ram timing is 4-4-4-15. It always was, but now CPU-z is showing me something different.
Now, because I started to suspect the memory, I went to BIOS setup, and I changed Timing control from Manual to Auto, and I assume that wouldn't change the CPU-z settings.
I just replaced my Video card, which at first seemed to be the cause of the problem, now PC works but it restarts. What are the chances that two components failed at the same time.... and I did update the bios when my GPU broke (but that didn't help, it seemed successful, but just putting it out there, incase it can be the culprit)