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10.8 volts seems bad, but the 12 volt is only used for motors, fans, hard drives and cdrom drives, not the CPU, not anything important.
I have an extremely similar set up on my media server, same MB, same GPU, slightly more ram. The only difference is I have 12 hard drives in it and no optical. Currently it has a 420 watt PSU in it and it runs fine. The problem may be your power supply, but it’s not due to it being under powered. On my board, i have a problem with the last slot for memory, it would halt at random intervals when the board got to hot, after I stopped using the last slot for memory all the problems cleared up.
And just for reference, each USB device can draw a maximum of 500ma but most only draw 100ma, USB is not your power problem.
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