I just 'restored' my computer back to when it was good. Get this, it worked. I do however, have the strongest confidence that the problem will arise again. If I went back in time and today was the day I restored it to. Tomarrow would be the magical day when the computer started to lag up. I will not download anything for at least a week, or travel outside the websites other than my favorites. Run adaware and other anti-spyware programs. But I do think it will come back, because I am certain that when it happened before, I had done nothing wrong.
Before I formatted, I had done nothing wrong and this problem came. After I formatted, the problem came.. due to what? I have no idea. I will still buy the PSU you suggested (If there isnt any worries about compatibilitys or whatver to my mobo). And a sound card.