Sorry, I said it wrong. "Backwards" meant the 20+4 was in the mobo, and the solid 24 was in the PSU (when I wanted the 20+4 in the PSU, and the solid 24 in the mobo).
I'm agreeing with your thought of motherboard issue. I turned the cables around so the solid 24 was in the mobo and 20+4 in PSU, and while both are much closer to being latched (before they were each ~3 mm, now they are closer to a single mm), the problem... sort of persists. Soon as I booted I brought up a song. At first I could listen to it fully and completely with volume at 4. Then it got quieter (not flat, just quieter), and has stayed quieter.
I did not mean front panel audio. I haven't tested both front and back, I actually have front panel unplugged from the motherboard (my headphones, old and new, didn't fully fit into the plug, so I just decided to use back panel).
This isn't the first time I've noticed voltage-related issues (if this is voltage related, that is). When I OC'd my CPU, the CPU voltages rarely ever stayed at what I set (right now, min voltage in HWMonitor is 1.248 and max is 1.28). [Multiplier] clock rates don't stay stable either, but they aren't unstable either. They're set at 3.8GHz, and HWMonitor has a min of 3.746GHz and a max of 3.825 (haven't done anything, except play music and launch Firefox). The voltages in HWMonitor also wiggle around quite a bit, though I've read "never trust software voltages."
Video of voltages if you're interested:
https/youtu.be/JayecyE3uag
I did test the headphones on another device for ~2 hours, no issues.