What others haven't considered is that with Baldur's Gate 3 and Starfield the problem could also be system RAM pressure. These games eat through RAM like crazy, especially midway through a playthrough when the game has loaded even more assets. If you've got 16 GB that's basically the bare minimum, with 32 GB you'll be way more comfortable. Before you drop money on new RAM though, open task manager while you're playing and check the memory column under "Performance" - if you see RAM going over 90-95% for long stretches and your disk is working overtime (pagefile going nuts), that's your culprit.
The second thing is to check whether it's actually an issue with old config files or corrupted cache. I don't know if you're cleaning out AppData folders and save files, because sometimes those games accumulate dirty data over time that causes memory leaks. Try doing a clean uninstall (something like Revo Uninstaller that removes hidden traces) and reinstall from scratch. It's surprisingly effective in a lot of cases and beats any hardware tweaks.
Check your temperatures anyway though - running something like HWiNFO64 while you play tells you right away if your CPU or GPU is throttling. But considering it tanks midway through specifically, I don't think that's the main issue. I'd prioritize insufficient RAM and corrupted cache before worrying about hardware that's getting too old.