What are your temps? The chip is either getting too hot, doesn't have enough voltage, or both. Booting and seeing your desktop is WHOLE other world from being stable. Prime 95 puts a decent amount of stress down, cpuburn is even better.
Anyway when you run Prime it's doing one of two things to lock you up - creating too much heat which is generating errors, or simply testing the CPU more extensively to bring out errors that are already there.
Anyway, if your temps are 45c or lower when testing at 2.4, it's probably not heat but a matter of voltage. Kick CPU voltage up a bit and try again. If temps are getting close to 50c or higher it's probably heat that's causing the errors. Normally 50c is reasonable enough to run stable, but that faster you run your chip out of spec the more sensitive it is to heat. Which is why phase change cooling and all that crazy shit lets you get such huge OC's (that and the fact that you can volt your chip to death before it catches on fire).
2.4 is just one of those numbers though... I was in the same boat as you until I got the Tornado on here; in my case it was temps. Probably the same for you, lower temps mean you can push voltage up and maintain stability.
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