UPDATE:
Here's the deal. I installed the H90 cpu cooler, the stress test ran about 5 minutes longer than before. This time I got a blue screen with some "kernal failure" (I missed it) and then it did the PSU click thing just one time and then attempted to boot, but kept blue screening (but not continuously clicking) I monitored CPU temps and it got to around 79 max when it did it. Now I get no post and the error code "26" on the debug thing on the motherboard and it's not anywhere to be found what it means.
As for the clicking noise, it could be comparable to flipping a light switch I'd say? And it only happens when it crashes, never when I'm just normally booting it. The machine would not boot past that 26 error code on the mobo, no screen at all. I waited 5 minutes and it booted, but then it needed to do a restore, so I'm way back into the OS when I first got it without drivers installed.