Format or not to format.

[Astrid]

Well, recently, I haven't formatted in about a year's time

You mean defragmentation? As formatting does not really do any good. And no, after a year your disk won't be as extremely fragmented to cause the problems you have.

I've had to turn down to high, some low settings, going below 50, but avg 60. It could be my CPU, I could overclock it, atm it's a i5 750 at stock, 2.66ghz, but I'm not sure.

No need to over clock. Install speedfan and check if your stuff is overheating. If so, clean/replace fans and component paste.

Also; in some games, in darker areas, I've been getting faint grey-ish black lines across my screen, hardly noticeable, but you know, they're there, and it bothers me.

Turn Vsync on (Not recommended, eats a lot of memory) and check your graphics card driver software for extra options.

Now, Black Ops 2, I run it maxed out everything on, highest, w/e, I'm getting stuttering issues, freezing issues, lag, everything, but I get 150-200 FPS, never below 85.

Try running on all lowest graphics and see if it persists. If it's not the case, try upping/downing each setting individually to see what causes it.

Maybe my HDD is just clustered, obviously it's not a bottleneck by my CPU, as it wouldn't cause that, would it?

How can a HDD bottleneck a CPU to such extreme extents?

I didn't mean the CPU would bottleneck the HDD, I meant the GPU.

Nope, everything is normal and fine, 35-40c idle temps, 65-70 when playing BF3 and Far Cry 3.

No problem with that, it's only even hardly noticeable in dark areas, in such a bright and vibrant game in BF3, Blops 2 and Far Cry 3, can't see it at all.

Your HDD shouldn't affect your gaming performance at all. Your HDD is really only going to affect loading times based on read/write speeds. 7200 RPM drives are usually fine for the job, SSD's offering about 2-3 performance cutting load times. I use one myself and love the thing.

I'd be checking the voltage that your card is running at since Keplar turbo is usually enabled on the GTX 600 series. If anything is throttling something its either your temperature throttling or voltage throttling i.e. not enough power or too high an overclock on the card. The Keplar series cards start to throttle around the 67-70 range and the reference card designs make it worse as well since they tend to keep "heat pouches" within the design that keep the card hot.

Vsync isn't going to do much, but make the game more stable locking it at 60 FPS, so the card isn't working harder at times. Your card should handle any game you throw at it, so consider the above options.

Yeah, loading times are a pain in the ass, first time playing MOHWF, It took me ATLEAST 2 minutes to load the map. BF3 It only takes 20-30 seconds, which isn't bad considering the huge maps.