|Use this as a rough guide: board temp should be within 10c of avg room temp, CPU temp (at idle) should be within 10C of board temp.|
avg room temp = 22C (72F)
max board temp = 32C
max CPU temp = 42C (at idle)
How is your case cooling set up? Front intake fans really aren't necessary & side panel fans should be avoided. All you really need is a good exhaust fan in the rear.
That being said, an overheating CPU will throttle down, causing the system to run noticeably slower. If it reaches a certain trigger temp, it will shutdown completely. But since you're getting a blue screen indicating disk errors, why aren't you concentrating on that?
"I borrowed a buddies worked great for a week then showed the error messages"
Did you reinstall Windows on it or was it already installed? If it was already installed, I'm surprised it worked at all. How about listing your specs in detail? Which power supply do you have? Post the make/model, wattage & amperage specs.
Did you manually configure the BIOS settings or just accept the defaults? Has the RAM been tested with memtest86? Are all the drivers up to date? Have you scanned for viruses/malware/spyware?