Memory test (Extended, 2 passes) came back with no issues.
My next thought is the BIOS -- I'm still running v1.0 of my BIOS (there have been about 6 updates since then via MSI).
I'll probably pull the memory real quick to confirm its definitely the memory (i.e. take it out and see if the performance problems stop). Do you think it could be software related (i.e. Vista itself, maybe reformatting would help?)
Beyond that, I'll have to probably contact MSI.
UPDATE: OK, took the memory out, and everything went back to normal (so I didn't unleash a static charge on my mobo or CPU -- While I took precautions I have to admit it was in the back of my mind!). Vista started trying to re-find drivers and such for hardware, which was weird -- But brings up a possible second cause other than the BIOS).
So, my question now is, do I start first by re-installing Vista (I have all of my files backed up, so no biggie other than time), or updating the BIOS (like I said, I have the original from MSI, they've released 6 versions since then), or something else?
Thanks again for the help, its appreciated!