I have been having some major problems with my computer freezing on the desktop when opening a program. i HAVE TO HIT CTRL-ALT-DELETE to get it going again and sometimes that doesn't help. Sometimes it just freezes for no apparent reason. Some games have crashed or froze as well. I ran memtest86 to check my memory. I ran it for a little over an hour with no problems. It sounds like it should be the memory. Do I need to run memtest longer or is it something else?
To be sure, run it overnight. Otherwise you probably need to just clean up the pc and get rid of any applications ou don't need. Clean it for spyware etc... (the usual things) Also look at any new apps you have installed just beofre the problems started, and remove those. Maybe then download tuneup utlities 2006 and run that and clean up any crap that you can't do manually, theres a free trial for a month.
One thing to try is to download a program called enditall, run that at startup, and only open the programs you need, it shuts down all the tray icons. I typically just open msn, skype, googletalk and my antivirus, and as long as i "enditall" at startup, I don't have the stability issue I used to.
Or use google to look at your open processes, and type services.msc at the run command to adjust the settings of what boots up to start with.