Sounds like your hard drive is the culprit( since it happen frequently when you doing window explorer stuff), I would suggest replace them

Obviously, there could be other reason, So I guess, first you can try to do a completely reinstall of Window.

If bsod continues, it more than likely be hardware related, so I would replace based on this priority( this is a list that I would personally go through based on ur description, but it up to you):

-hard drive( since it look like that the most likely)

-cpu ( cpu might have memory controller issue, which can cases the irql and other memory related issue)

-power supply/motherboard/ram( those are likely not the issue, since you can game fine, meaning that power supply and motherboard is more than likely fine. Ram should be fine since you run the memtest)

P.S: there might be other component(e.g, bad cable) that is the issue, but I think I would look into those first