new build is unstable

[vicks_wedge]

System Specs:
Phenom II x 4 965BE w/stock HSF
Asus M4A89GTD PRO/USB3
4x2GB Corsair XMS3 1600 DDR3 [on mobo's QVL] [one faulty dimm]
Crucial M225 256GB SSD *refurbished*
WIN7 ULT
Corsair 520watt Power Supply
300GB Velociraptor
400GB WD
1TB Seagate
RADEON 4890 1GB

Symptoms
rare but Random BSOD
then after installing win7 and adding programs/drivers start getting consistent and persistent explorer crashes when clicking windows key or trying to open windows explorer. additionally certain programs (e.g. micro torrent) fail to load.

I'm thinking
A. since one of the 4 modules in my memory kit is bad perhaps one or all the others may have also been damaged during shipping.
B. Power supply could be overloaded..(i.e. random power fluctuations destabilizing voltage)..unlikely
C. Crucial drive may not have been well refurbished, read about a few instances of people receiving bad drives.

any thoughts?

I wore an antistatic wristband when putting together system, took precautions.

 

[fffblackmage]

I seriously doubt your PSU is being overloaded.

The first thing I'd try is run memtest86+. I would test one DIMM at a time. I'm not sure you can tell which DIMM is faulty if you had them all tested simultaneously.