I doubt if a reformat would help here, this guy has hardware issues methinks.
If your CPU* temp is 52C idle then that's quite hot, it'll be overheating when under stress. Have you cleaned out any dust from inside your system, specifically all fans, grills etc? Have you tried replacing the thermal paste on your CPU? Have you checked that your CPU fan is actually rotating? What does BIOS read your temps as?...
*btw: Athlon 64 or Athlon XP?
AMD X2 4400+ Toledo 1MB/Asus A8N-SLI Deluxe/2GB Kingston HyperX/SLI Gigabyte 7800 GTX 256MB/Creative SB Audigy 2 ZS Plat w/ Creative Inspire 6.1 speakers /180GB Hitachi PATA/19\" AG Neovo F-419 LCD/OCZ PowerStream 600W PSU/WinXP Home SP2