Use ThrottleStop 9.6
Do you get any freezes when using the default turbo ratios; 41, 41, 40, 40? Set the Intel GPU and iGPU Unslice undervolt and the System Agent to 0.0000 when testing. Try using a smaller undervolt for the core and the cache. -100 mV is stable for most similar CPUs.
Crashes when a CPU is lightly loaded can be caused by the CPU not getting enough voltage when it enters one of the low power C states. The C states might work OK when a CPU is new but after a few years, there can be problems with the CPU needing a little more voltage. Have you tried disabling the C states? Here is how.
Open the C States window, push the >> button to open the window entirely. Check the C States - AC box, select the Off radio button and push the Apply button. This will disable the C states in whatever Windows power plan you are presently using. If you wish to disable the C states in a different Windows power plan, you have to do this same procedure for each one.
Do the opposite if this does not fix your problem and you want to enable the C states again. Check the C States - AC box, select the On radio button and press the Apply button. The C States monitoring table should show if your C states are enabled or not.
Disabling the C states has helped some people with the problem you have. This can also reduce latency which should improve gaming smoothness.
If your CPU is reaching 95°C when power consumption is only 35W, replace the thermal paste with Honeywell PTM 7950.
Turn on the ThrottleStop Log File option before playing a game. Attach a log file so I can see how your computer is running.