I would say the first thing to do is look up and see if you have the latest BIOS installed on your board. According to GigaByte is looks like it should be "F30" (I don't have a Gigabyte board so I assume that is how they mark their file structure)
https://www.gigabyte.com/us/Motherboard/X670-AORUS-ELITE-AX-rev-10-12/support#support-cpu
What temps are you hitting with your CPU right before it shuts down?
One thing you mentioned is your cooler sounds excessively loud at idle which to me sounds like it is either getting an inaccurate reading from the system and is spooling up the fans at all times or your cooler is not big enough to deal with the heat it is seeing. I would also double check your cooler that there is nothing impeding the flow of the fans and make sure that they are exhausting in a way that is optimized for the heat load. IF your cooler is barely keeping up with the stock temps of the processor you could be effectively heat washing the cooling fluid in the radiator. Essentially what is happening is the fluid in the radiator has absorbed all the heat it can at the fluidic level and can not absorb anymore. What happens after that is you get a run away heating effect where the fluid begins retain thermal energy and the radiator becomes a heater and begins to radiate excessive heat back out which brings ambient temperature in the case up and can cause a long duration heat soak.
IF your fans are currently exhausting out through the case it may slow down laminar flow versus pulling in cold outside air thru the case and allowing the hot air to sit and circulate with the cooler air in the case and eventually get exhausted through the rear main exhaust fan. The ability to pull cool air (outside room air) across radiators and maximizing flow across the cooling membrane is far more efficient then trying to push hot air across them(the air inside your case) I changed the design of my airflow through my radiator to push air from the outside versus exhaust air from the case out.
I believe all of the Ryzen chips have a thermal limiting property to them so if the chip is seeing excessive heat it will begin to throttle itself and may even shut down to prevent damaging effects from excessive heat load. You mentioned that by lowering your overall voltage you are not having the system instability. I would look directly at the cooler issue first and determine if the cooler and excessive heat may be what is causing the chip to shut down. You can download Ryzen Overclocking software and from once it establishes the parameters of your system you can set it to "ECO" mode which will throttle the chip and cut down on the extra heat these new chips produce. You might notice a little performance slump but probably not.
https://www.amd.com/en/products/software/ryzen-master.html
I have a 7900X which is typically humming along at 4.9GHz and I was usually idling at around 100 to 110 degrees (43C) and when I would play games it would get anywhere between 130F to 145F (54C to 62C) and be at a 5% to 9% load. Typically I would see these either playing Hell Let Loose, Ark, Diablo 4, ARMA 3, or BG3. Now that I've installed the Ryzen software I am usually sitting at 110F (43C) at all times with a 20% load on the CPU against all my games.
I have no idea about windows updating and resetting the BIOS. That is just outright strange. It might be something Microsoft is doing. I'm currently planning to migrate almost entirely to Linux because I have had so many issues with Microsoft over the years.
Good luck, hope it helps out!
"Open the microwave bay door HAL"
"I'm sorry, Dave. I can't do that."
