i dunno what sort of stores you have around there but here we have frys... http://www.frys.com/ for store locator. i had a psu issue once and i just took it in there and they tested it for me. maybe you can find a place that will test yours.
after reading all this i just have a feeling that its a psu issue. i dont think there should be any reason that hooking up case fans will give you BSOD. whether you hook them up to mobo or straight to psu via 4 pin, it shouldnt matter. now if you dont hook up any fans to mobo and hook them all up to psu, there should be no reason for BSOD. very weird.