It sounds like your PSU may not be providing enough stable power even though it's 550W (which might explain why it works better with the USB unplugged).
I had BSOD, reboots and CTD all the time until I finally unplugged my floppy drive which allowed enough power for my video card and CPU...
If you've got a motherboard that supports it, you might consider running a program like ASUSProbe to check the voltage levels and make sure your video card is getting enough power. If this is the case, try unplugging your floppy drive (if you don't need it) to see if the extra power helps.
I was having CTD and bluescreen issues and the rollback did not seem to work for me.
Vid: ASUS v8440 (nvidia GeForce 4Ti)
2Ghz P4
512 RAM
After running tests with ASUS's PC Probe program, I realized that my setup did not have enough power to solidly run the video card. The +3.3V setting...
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