Since it's out of warranty you might want to investigate it at little more before going in for service. Make sure all peripherals except your keyboard and mouse are disconnected. Also, I am very concerned about the RAM since obviously you have upgraded that. I would drop down to just 1 or 2 sticks. The fact it crashes so hard you have to do an SMC reset to get it to reboot suggests it could be that added RAM (or the stock RAM) causing the problem.
Does the hardware test give you the option to test the RAM optionally, and did you do that? Even if so and it passed I am still concerned about it.
I would also boot up in Recovery Mode and try the Get Support feature which basically gives you a Safari single-tab browser and try using that for a couple hours to see if Recovery mode itself works ok.
If the safari-in-recovery works OK, but the problem still happens even dropped down to just the stock, or just the upgraded (stock removed) RAM, it may be worth looking at the console logs to see what is going on. It would also be helpful to know that if you just boot up your Mac and don't do anything, if it crashes after a time or is fine until you start doing things. It would also be good to know it only crashes when it's getting pushed and the fan is in high gear that it crashes, or if it crashes even with minimal activity.
You did mention Safe Mode. Specifically have you tried to use Safe Mode for a couple hours and does it crash in there as well, or no? Although RAM is still my number one suspect it could be your SSD (or the power supply, as suggested already).
You could try installing macOS via Recovery Mode onto an external USB and see if that works much better (which would indicate a possible internal SSD/Hard Drive issue) or not.
Personally, I would do all these suggestions before taking it in for out-of-warranty service.