My guess is that some hardware oand software in your computer are not matched properly.
I am using a R7 5800x3d with a ASUS X570 48 gb 3600 c16 trident ram and an RX6700XT.
I haven't modified the clock speeds ans such. My CPU and GPU both maintain around 60% usage and the clock speeds are showing only 1/2 of their max capability while playing Modern Warfare II while live streaming and listening to music in the background.
No Studdering, in fact, I am streaming at 6000bps 1080p60 and my game maintains a consistent 95 to 130fps.
I need to figure out how to get this 5800X3D up to its 4.5ghz.