well probably a couple of things then.
your voltage to the cpu is too low, hence the reason it freezes at a speed it should run easily.
you probably have your ddr speed set to auto in the bios, and that is why your ram is showing up as pc-2700.
turn all the auto crap off and make your adjustments manually.
pc 3200 will indeed limit your overclock. i'l have to do the math to give you a ballpark of what to expect, but i'll have to do it later.
i still think that 32*c is an extrememly low load temp, mine idles a little lower than that and i have a zalman 9500. how are you checking the temperature?