It could be the hard drive, but I doubt it. When you turn off a system "hard" you will here a click, but that's just the arm on the hard drive going back to it's "rest" position.
How many watts is your PSU? What it sounds like to me is that when you are doing intensive tasks you are drawing to much power and shutting down your PSU. Does this happen when you play games to? The sli cards will draw a lot of power, so if it shuts down while playing, and when doing intensive file transfers, that could be your problem.
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