Here's My Specs:

System:
Manufacturer: HP-Pavilion
Model: KQ496AAR-ABA a6530f
Power Supply Rated: 750W
BIOS: Phoenix awardBIOS v6.00PG
Total amount of system memory: 6.00 GB RAM
System type: Windows 7 Pro 64-bit operating system
Number of processor cores: 3
Total size of hard disks: 3039 GB
Disk partition (C:) 108 GB Free (244 GB Total)
Network Adapter NVIDIA nForce Networking Controller
Graphics:
Display adapter type: NVIDIA GeForce 9800 GT
Total available graphics memory: 3327 MB
Dedicated graphics memory: 512 MB
Dedicated graphics memory type: DDR3
Dedicated system memory: 0 MB
Shared system memory: 2815 MB
Display adapter driver version: 9.18.13.1090
Primary monitor resolution: 1920x1080
DirectX version: DirectX 10

I've been having problems with my games freezing, crashing and (rarely) causing a BSOD. Currently Fallout 3 GOTY but have had this problem pretty consistently with any game.
nVidea's update app is saying my drivers are good and I've made all suggested changes to the FALLOT.ini file and tried running in XP compatibility mode (The last solution caused a BSOD). I notice on the BSOD it said to check for newer BIOS versions as a possible solution. Upon further inspection there are known issues with my BIOS and nVidea cards. I've found references to an updated Phoenix BIOS but cannot find a download page.
This is getting irritating, I should be able to play All my games on high (except skyrim) but even CS 1.6 will crash on me.
Far as I can tell to update the BIOS I need to contact Phoenix, get the updated BIOS .iso and then reflash it. However every help forum i've found on the subject says not to do it unless absolutely necessary as it could be fatal to the PC if not done properly.

Any insight?