Bad motherboard or bad OS

its more this has happen three times in a row in under a month despite reformats
Yea and a corrupt boot sector still have no relations to the motherboard unless you have failing DIMM slots or SATA controllers... both of which are far less likely than RAM failure or HDD/SSD failures. Easiest thing to do is run through a memtest (test each stick individually) and hdd s.m.a.r.t. tests via a usb stick that you can boot off of to see if you have any hardware failures from RAM or the HDD/SSD.
 
If it is USB 3.0 or USB 3.1 Windows 7 will need drivers installed. Windows 10 will not. I have hot swap drive bays and run Windows 7 and 10 on the same B 85 chipset.
 
You have Windows 7 home premium. I don't see how ordering a new OS will improve things. Unless you just want to go with 10.
 
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