For the VRMs, Looking at your motherboard (from pictures), do you see the the line of capacitors (tiny short cylinder shaped) and blocks on the opposite side of the cpu from where the memory plugs in? This is between the cpu socket and the rear motherboard ports. As the primary VRM area, it may be helpful to put a small fan directly on the area. Ironically, depending on cpu cooler type, this area may get decreased airflow. This is a balancing act as you don't want airflow from your cpu cooler impeded
Just want to reiterate, loose cables in the airflow paths can cause turbulence and decreased airflow. bundling them, your path you route them through, and carefully zip tying them out of the way is helpful for smooth airflow.
You didn't mention your case. Not sure of what fans it has, but options to increase CFM (cubic feet per minute) flow may help if your current fans aren't as efficient.
To check if you are running in XMP mode for memory, you'll need to go into the BIOS. Your motherboard manual will have that information.
Running a memtest program may be revealing. One can be found at:
https://www.techpowerup.com/memtest64/
A memory failure may indicate a faulty module. It can also indicate faulty power delivery to the module.
Stress testing your system for stability isolated from the graphics system may be helpful. If you fail stability at stock clock rates on your cpu (not overclocked), it could be faulty CPU (unlikely), a CPU or VRM cooling issue, or faulty power delivery. There are many programs that can help you monitor cpu temps during the test to make sure they are within normal ranges.
Some more possibly helpful links:
Memory test:
https://www.techpowerup.com/memtest64/
Some stress testing options: Can def push your cooling.
Prime95:
https://www.mersenne.org/download/
OCCT:
http://www.ocbase.com/
AIDA has a 30 day free trial:
https://www.aida64.com/downloads
ASUS RealBench.
https://rog.asus.com/rog-pro/realbench-v2-leaderboard/
How and how long to use the programs to test I will leave for you to google. Detailing each would def take this post into TLDR territory.