Ultranub

Temps respond to load. Which is why I've set CPU fans start at 45C, not 39C which my idle. I have different CPU than you, but generally under 30% load my temps are under 50C. Getting speeds correct will require testing and adjusting. I've done to all my fan curves, and I didn't post curves for case fans as they will look weird.
 
The latest curve you have is maybe bit too aggressive, but you don't know without using and tweaking it.

Thanks for posting. Even if it barely improves cooling I think I will buy one more white 140mm fan to stick in the back, as now that my CPU fan keeps turning off I realise the pre-installed ones in the case are actually a bit louder than I thought.

Ideally I'd like to make this cooler work so I'll continue to try and tweak the noise/speed.
 

^ Stock cooler is gorgeous (2700X had the same one, and I had one of those) but gets noisy when it ramps up. As for case fans, you're fine. 2-3 in the front (depending on size, most mid towers run 2x140mm or 3x120mm) and 1 in the back makes for nice clean airflow in the front and out the back. A tower cooler for your CPU would be better since it works with that airflow (fan pushes air in the front and out the back vs sucking it down onto the mobo like the stock cooler does), and if you get a good one it'll be quieter. I'd recommend something from Noctua*, or BeQuiet/Thermalright/Cryorig if you can find ones that haven't been murdered by tariffs. 

*I recommend them first because they're very high quality, but mostly because they use a logical mounting bracket that makes it so you only have to tighten two screws on the cooler (they usually include the screwdriver on the taller coolers that need a long one like the NH-D15/D15S) to get it on and off, and that's standard across all their coolers except the really low profile ones like my AM4 specific L9a. 

You're only pushing around 61-62C though, so like the others said you can probably just tone down the fan curves if you don't wanna replace the cooler. 

As mentioned, adjusting your fan speeds may solve your issue with noise. If you do need to replace something, a new cpu cooler would probably make a much bigger difference in reducing noise than new case fans. 

Your temps aren't particularly high, and that fan curve is fairly aggressive. This will require some testing, but I would recommend that you experiment with fan curve. Like move the point when it goes max to 75C. And adjust rest accordingly.

You can uninstall the drivers without DDU in windows, but it doesn't clean everything 100% like DDU does. DDU fixes a majority of graphic issues and is a godsend. 
 
Basically if the drivers stop working, the hardware stops working and it crashes, so yes it can.
 
I'm not an expert by any means, but I've done my fair share of troubleshooting lol. I'm glad I could help.
 
If you still have issues and it's not temperature related, it could be power delivery which in that case I would call their customer support. Don't sweat it though, just enjoy your PC.

Hmmm I think it might be the gpu bust still double check with someone else who is going to reply here. Don't want to make you do the wrong thing.