your CPU is way underclocked
and could you list your Computer Specs please
no that is not underclocked, my i5-2500k shows the same clock speeds at IDLE or when browsing the internet. Hence, I' played Dirt 3, BF3 and other games while running a lot of programs in the background (firefox, torrent, media player and so on) and have not experienced any crashes. It will not clock at 3.30 Ghz all the time unless overclocked I believe.
I think its PSU issues, power peaks when gaming and that's where it happens right?