The problem is most likely your video card. Check the obvious stuff first (e.g. card seated firmly in slot, not running hot, no stray cables laying on the card, etc...). If possible, connect the monitor to a different system. If it works fine, the card is the problem. If it still does it, the monitor is the culprit. Or, connect a monitor that has never displayed this problem to the card and see if it happens. If so, then the card is at fault.
The other possibility is the VGA cable. There could be a bad connection between the pins and the video card, the cable have been bent to the point of having a wire break its covering and create an intermittent short, or there could be a short where the cable connects to the monitor.
I've never encountered a situation where a monitor would cause a computer to lock up. No matter the monitor, you can always install a generic driver, so driver issues should not be a problem.
Most likely, the video card is starting to wear out.
Also...the buzzing fan. If the card has come unseated, a little play in the card could be the reason the fan rattles. More likely, though, is that your fan is wearing out and causing the card to overheat. You could always replace the fan and see if the problem clears up.