I recently put my 4870 to rest due to overheating problems and in it's place I bought a GTX 460 1GB. Here are my full system specs:
AMD Phenom II X4 955 @ 3.2GHz
Gigabyte GTX 460 1GB OC
Corsair 4GB 800MHz DDR2 (2x2GB)
ASUS M3A79-T Deluxe
Creative SoundBlaster X-Fi XtremeGamer
Western Digital 320GB SATA-II (x2)
OCZ ModXStream 600W
Windows 7 Home Premium
Essentially, I get two types of stuttering: split-second freezing when loading and jerkiness when moving. When the first type happens the game will freeze for a split-second every couple of seconds for between five and thirty seconds. It happens in every game whenever a new map or level loads. This was significantly reduced overall with the latest beta drivers (260.63) but it's still very apparent. When the second type happens the game jerks and splutters whenever I move around or the camera moves during a cutscene. It affects most games I've played, although it is more apparent in some more than others, and using the latest the beta drivers hasn't made any difference.
Some of the games that have been most significantly affected by this include Crysis, Final Fantasy XIV, GTA4, Mafia II, and Dead Rising 2 (you'll notice these games have large open environments, which seems to be a prominent factor). Other games that have been marginally affected are Mass Effect 2, Lara Croft and the Guardian of Light, Battlefield: Bad Company 2, and Trine. I run most of these games on high graphics settings and some on medium.
So far I've tried updating to the latest NVIDIA beta drivers (260.63), reformatting with a fresh version of Windows 7 and turning down the graphics settings but all have been of little help. Any suggestions? Thanks in advance.