Hmm...I gave dell a call. Apparently I'm still under warranty.
So...They are sending me:
a new 425 watt power supply (to replace the 375 watt i have)
a new nvidia 8800gt (Or 9800gt if the 8800 isnt avaliable)
and a replacement motherboard. (They said it could possibly be a faulty chip set based on what I described)
If none of this is the issues, then I will be trying these programs you guys said. And if that doesn't fix it; then I'ma have to let geek squad try to add some more cooling..either by adding fans some how or by moving all the components to a new case...then adding fans.
Either way..I'm getting a lot of free parts from dell so I'm happy.