Blue screen then iMac 24" crashes
Ventura 13.2.1
I'm experiencing a recurring problem with the iMac suddenly crashing. It often starts with the briefest flash of a blue screen then shuts down. I'm strict about what apps are downloaded, so in addition to the default MacOS set, there's only Adobe Creative Cloud software, Microsoft Office 365 and a very limited number of others, e.g., a job timing app.
It's not just a Ventura problem either, as it happened with Monterey too. Sometimes it's even meant resorting to startup options and selecting the Macintosh HD icon to restart it. However, on one occasion I had to select Options and, luckily, after a lot of panic, fearing it might need a complete OS reinstallation (all my folders are backed up to the cloud and external drives), managed to find the HD drive icon.
Would it help to run Disk Utility and if so which level of drive should be selected? Sorry this is something I've never really grasped.
iMac 24" M1