I had to go find another keyboard though. my spare keyboard on hand is an AT keyboard, and while of course I have a (hand made!) AT-to-PS/2 adapter, this computer for some reason only has USB ports.
I can't understand these companies just expecting us to have obscure hardware on hand to diagnose their failures.
OK so ran the half-ram test for nearly 8 hours with zero issues.
Now I've reattached the GPU, usb ports, serial port, floppy drives, and rust drives and optical drives (but not the m.2 ssds yet because they're boot drives) and I'm running it again, to confirm it's not a PSU problem
Memtest didn't complete, but for a very silly reason: I have my computer up on the desk and plugged into a different outlet for this testing, which means there's a power cable crossing the doorway.
When I left the room, moving the cable so I could go under it slid it out of the power supply and it shut off
So, it's probably one of motherboard, cpu, or PSU. At a stretch, it could be the GPU.
I have another spare GPU I could swap in. I have a near-identical CPU that I could swap in (it's in use, but I can temporarily borrow it).
PSU and mobo are trickier.
So, I'll have to try the easy ones first. Swap the GPU and see if windows still hard crashes like that, then the cpu, then start working on the others.