Hey ilconke,
I've had similar issues with my EVGA 260 card. It would crash just idling on the desktop or doing light work on the computer. Like browsing a website. But in games like City of Heroes, it would work without fail.
I would suggest that you contact EVGA and get them to RMA you out some new cards. I had to go through the RMA process with EVGA 3 times before they bumped up the computer to a 460 and now they issue is gone.
I think they is a massive issue with the 200 series of cards from EVGA that they are not willing to admit too.
Anyways, I ended up putting that 460 card into another computer and buying myself a new 560. Both cards work great.