System freezes and stutters come in a thousand different causes and symptoms, every single detail you provide will help here.
Your system specs are really basic, can you fill them out properly? HWinfo will provide every product name and details you could ever need.
A screenshot of the sensors page full-screened showing everything at once would be perfect.
Like this:
Do you have anything else attached for storage, even on USB or network shares? Or truly just the one SSD? What model is the SSD?
"I'm not comfy with tampering with bios and voltages."
We won't advise dangerous settings, but altering some voltages is absolutely neccesary at times.
You'd never get four sticks of RAM running in a modern system without XMP, which is a BIOS setting that alters voltages for the DRAM and memory controller in the CPU.
Default settings are guesses - they can be wrong, especially for hardware released AFTER the motherboard (DDR3 was available for a long, long time after that motherboard was made)
I've had stutters from causes as wild as a disconnected network share mapped to a drive letter causing steam to freeze ever 3 minutes, to a smart TV spamming my network causing geforce experience to stutter.
Heck even PC's BSOD'ing from a bad ground, opening a bar fridge caused the PC to BSOD if the front USB 2.0 ports were in use - there are some WEIRD and uncommon problems out there, and we need every last detail we can get to know if one of those is relevant.
Since its a clean install of an OS on older hardware, how about device manager? Every device has drivers, no yellow triangles?
Have you checked the thermal pad/paste under the southbridge heatsink? If its on the factory stuff it'd be long dried by now, and the H67 chipset controls your USB ports, some PCI-E lanes, and all your SATA ports; thermal throttling there could absolutely cause some stutter issues.
