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So I got new Palit GTX660 OC 2048Mb GDDR5 graphics card and installed it in my system.
However it seems like I have lower performance in some games than I'd expect.

As I have 120Hz monitor I'm trying to get 120 FPS whenever possible, especially in older and less demaning games.
In Diablo 3 FPS starts to jump whenever I encounter group of enemy, load new location. Also using spells, especially movement ones that let me quickly travel from one area to another seem to affect this. During it i can notice some very annoying stuttering. Even if i cap FPS at 60, i will still have this. I read that many people get this issue with Vsync, however mine is disabled both in the game and in NVIDIA Control Panel. However, performance in SC2 seems to be ok. I run both games on max settings.

I can notice the stuttering in COD4 as well, when playing single player on max settings. FPS is also very unstable depending on the location, sometimes dropping to 80, sometimes to 50 and lower.
This also happened to me in Portal 2, although very rare, mostly when entering some new place, otherwise there's no stutter and it's steady 120.

I'm not actually sure if it's graphics card issue or drivers issue, or other parts. If hardware is faulty or it's just how it's supposed to be given rest of my system is relatively old and can be bottlenecking graphics card.
But quite some time ago I had GTX560 for a few weeks. Unfortunately, I didn't try to measure performance back then, but i don't remember any noticeable stuttering in COD4 during that time.

Here's the rest of my system config:
CPU Intel Core i3-530 2.93GHz 4Mb Cache
RAM Corsair XMS3 4Gb (2x2Gb) DDR3 1333MHz
HDD Western Digital Caviar Green 1Tb 64Mb Cache (and some old 160Gb Seagate, don't remember the actual model)
PSU Cooler Master eXtreme Power Plus 460W
Monitor LG W2363D-PF 120Hz
Audio FiiO E10 USB DAC Headphone Amplifier (onboard audio is disabled in BIOS)

Maybe it can be PSU too since it did survive quite a few power shutdowns, and it's already not very good as i was told.

I'm looking for advices how i can determine if this performance issues are what i'm supposed to get with this system or not, how can i diagnosis my hardware to see if something is faulty.
As well as how could i upgrade in case of bottleneck without paying too much and replacing the rest of my system all together.. Maybe I could just buy new CPU heatsink and overclock CPU, buy new PSU, buy more RAM, etc.

Thanks in advance!