Frankly, it could be anything. The problem may manifest itself in many forms. The P4 I used to be own was stable in everything I threw at it, except for Prime95. I ended up getting corrupted data when downloading stuff from websites, and the data corruption got worse the larger the file. For the longest time I was convinced that either the coaxial cable from the main pipe to my modem was faulty, or that the main pipe was faulty, but I found out later that it was coz of my overclocking. It's an obscure example, but it shows you how stuff like this can hurt you if you're in denial like I was.
Cheers.
Cheers.