I've come to this thread late. There are so many things that it could be. But your description reminded me of a PC we had in the office with the same symptoms and thought to share what that one was.
It tracked back to the fact that there was a refrigerator on the same circuit as the PC. When the big old motor in the 'frig kicked on it created a power sag. Integrated circuits hate power sags. Actually, motors in heaters, air conditioners, fans, etc., create 'line noise' and some power fluctuations.
With a UPS your PC actually draws power from the battery, while the UPS recharges from your power main. If the problem is coming from the power source and if you decide to get a UPS, it might be wise to find out what replacement batteries cost for the model you consider. If the problem is power, that battery will keep on getting hammered and have to be replaced.
Just another one of the possibilities.
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