Dust can kill your PC actually in more than one way it acts as an insulator keeping heat in your PC bits which will cause them to fail prematurely.It can also deteriorate connections so it could cause an electrical issue.
A PC actually sucks in dust so even if you have a fairly spotless house your PC will attract dust.I would give any PC that you own a good once over with compressed air once a week.I doubt dust was causing your problem if you are immaculate as you say.
Dont they make those cheap little plastic tools to avoid an accidental static discharge? I mean your PC is not the Hindenburg I think if you touched something to make any static in you come out before you removed RAM you would be fine.
You never know with a PC though.Once I had a PC give the beep codes I do not recall what it was supposed to be but is was something bad then I noticed a zip drives was in one of the USB ports so I shut the PC off and removed the zip drive and tried again all was fine.
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