There are places in the city that are worse than others for performance but I’ve only ever noticed stutters and the like while driving. Do you use power utils? I don’t have an overclock but I make sure the governor is set to performance. Could just be luck on my end though.
I would double check that the cpu isn’t too hot for the cooler. I know the i9’s would likely throttle with a single tower cooler but I am unsure of the i7’s. Everything else seems fine.