Check your setting and make sure your GPU is being used render your games. The PC may be using the iGPU to render and that could be causing issues.
The RX 6500 XT is only PCIe 4.0 4X so you are limited if you run it in a PCIe 3.0 system. It will run at PCIe 3.0 4X which severely limits the bandwidth from PCIe 4.0 4X at 8Gb/s to PCIe 3.0 4X at 4Gb/s.
That specific CPU is much slower than what is necessary for this card to "stretch it's legs" so it is a serious bottleneck.
Combining those factors with the use of an HDD is what is probably causing your stuttering and low GPU usage as the CPU cannot keep up with the load that your GPU can take on even in PCIe 3.0 4X and your HDD is probably struggling to play any modern titles.
Game's that utilize the CPU can vary in genre. I have seen open world, FPS, RTS, even some e-sports titles task the CPU hard to render higher frame rates.
The crashes could be caused by thermals, so the first thing I would do to find the cause would be to install HWinfo64 and look at how hot your components are getting and compare them to the 95C max operating temp of your CPU. I can't find a maximum operating temperature for the RX 6500 XT as it is not listed on the AMD site.
Try updating your BIOS, and chipset drivers too.
That is about all I can do for advice in this specific case.
I hope you find a solution.
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