Ok, I traced to my router and am definitely getting packet loss. I was playing World of Warships and the packet losses and ping spikes were seen as small (up to 3-4 second) game freezes. When I traced to the NIC I didn't see any problems there. I tried to trace the loopback address, but it only showed 100% packet loss. I'm guessing the router is the source of at least some of the problem.