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Well, with both cases, I was immediately going to point at overheating...
Since you ruled that out for the laptop, however, have you considered your power source? And by that, I mean from the wall. Do you have the laptop in a power strip? If so, what else is on it that might cause a surge? Big things like refridgerators drain a lot of juice when they flick on, and that's been known to cause that sort of problem. I wouldn't think this would be an issue with a laptop, since it has a battery, but it might not switch to battery immediately. Could also be power surges in the building. Something to look into, maybe.
As for the desktop, I'm actually leaning towards the motherboard rather than the processor. While I would think the processor would run into problems before the motherboard in your case, the symptoms you're describing sound more like a mobo that's on its way out.
Or it could be your power source (this time I mean the one in the computer). Have you tried, for example, switching the molex connectors between the slave and master hard drives? Or unplugging some optical drives, etc... I'm not sure exactly what you have running, but I've seen power sources go bad and cause issues like that before.
It could also be the hard disk, but if that overheated, chances are you wouldn't be able to access it at all. I think you would know if you were having a hard drive failure.
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