Originally I had 32-bit. But it caused the lag issue and so I installed 64-bit.
I read the reply on Tech Guy Forums, but I don't think that guy knows something more.
This is what I get so far, it's not my PSU (tested at the shop), it's not the GPU (tested with my old GPU), it's not the OS, it's not Steam...
I'm gonna try turning off the cool 'n quiet option and see what it tells me. I've given up for lik 80% on the matter, and I'm on my way of saving up for some new gear.