Help with stutters, which component might be problematic? What to buy?

First, sorry for my ignorance, and here my specs:

• CPU: AMD Ryzen 5 7600X.
• GPU: Gigabyte GeForce RTX 5070 Windforce OC 12GB.
• Motherboard: ASRock B850 Riptide WiFi.
• RAM: 32GB (2x16GB) DDR5 Kingston Fury @ 5400 MT/s (XMP enabled, 38CL).
• Storage: Kingston Fury Renegade 1TB NVMe SSD (PCIe 4.0, ~7300 MB/s read).
• Power Supply: ASUS TUF Gaming 850W ATX 3.0

My problem: when playing most games I have random stutters that cause FPS drops, maybe from 60 to 55, most of the times to 58, but you can see a jump in frames. I play on 60 Hz monitor so I have VSync On. Most games I see: CPU 25-58% usage, GPU 60-86% usage, usually 60-76% due to frame cap. I play in 4K with DLSS in Balanced or Quality since I read it's less heavier on CPU. Settings on games are on high, RTX on normal, it runs fine, without cap I can see 76-90 sometimes 120 FPS (with tearing).

Temps: CPU reaches 92C max usually in most games, and just peaks not constantly. GPU reaches 76C max. Rams reach 54C max. SSD never goes above 55C. I am not going past the 10GB of total use of my GPU. Tried RE4 Remake, 4K at 60 FPS RT on normal, most stuff on high, it plays fine, smooth, but then you move a little forward to new zones or even moments when you move the camera and there are stutters. Reanimal and Darwin's Paradox run a little like ass, stutters and fps drops. Cyberpunk 2077 has these random stutters and drops of FPS too in settings that benchmarks show are smooth.

It frustrates me because I can't seem to find a way to avoid stutters, I can play fine for a couple minutes and then I have one, it depends on what I do, if running ahead or moving the camera really fast and chaotically it may happen. Is there a tool that tracks every component while gaming and shows deeps and peaks of FPS and what the load and frequency of the component was or something to know what the heck is happening? Is it my rams? Is it my monitor (maybe it improves if there are more frames rendered on a 144Hz monitor?). In cut-scenes it can happen (the fps drops and then back up and stays at 60). Is it streaming of assets?

Sorry for the long post. Other info that might help: PCIe is on AUTO (I guess PCIe 5, I don't know if that might be the problem here and PCIe 4 is more stable). Any help is great! I don't know if it's me or games are optimized a little bad nowadays. In older games it doesn't seem to happen (say, games from 2021 and lower).