1) Run OBS as Administrator. This will enable a GPU priority workaround, allowing OBS to have 'first dibs' on GPU time so it can complete its housekeeping tasks before the game eats it all.
2) NEVER record to MP4
for any reason. It is NOT a recording-safe format. If you need multi-track audio, record to MKV and remux to MP4 later (if needed) from the File menu, Remux Recordings.
3) Having a Monitor Capture in the same Scene as a Game or Window Capture can cause significant performance issues; Monitor Capture should be avoided at all costs, and only EVER used as an absolute last-resort, in its own scene. Even if they're not active at the same time. Additionally, having multiple Game Captures can conflict with one another, leading to performance issues. The following is a recipe for MAJOR PROBLEMS, absolutely all over the place:
20:49:31.922: - scene 'Scene':
20:49:31.922: - source: 'Moniter 1' (monitor_capture)
20:49:31.922: - source: 'Moniter 2' (monitor_capture)
20:49:31.922: - source: 'osu' (game_capture)
20:49:31.922: - source: 'rblx' (game_capture)
20:49:31.922: - source: 'R6' (game_capture)
20:49:31.922: - source: 'MC' (game_capture)
20:49:31.922: - source: 'rust' (game_capture)
20:49:31.922: - source: 'epic' (game_capture)
20:49:31.922: - source: 'rust v2' (game_capture)
20:49:31.922: - source: 'R6 ge' (game_capture)
20:49:31.922: - source: 'Window Capture' (window_capture)
20:49:31.922: - source: 'Image' (image_source)
20:49:31.922: - source: 'VR Chat' (game_capture)
20:49:31.922: - source: 'ge cs' (game_capture)
20:49:31.922: - source: 'Game Capture' (game_capture)
20:49:31.922: - source: 'Modded MC' (game_capture)
20:49:31.922: - source: 'Bo2' (game_capture)
20:49:31.922: - source: 'Video Capture Device' (dshow_input)
20:49:31.922: - source: 'Game Capture 2' (game_capture)
20:49:31.922: - source: 'Window Capture 2' (window_capture)
20:49:31.922: - source: 'Window Capture 3' (window_capture)
20:49:31.922: - source: 'Game Capture 3' (game_capture)
I would also recommend switching over to NVENC for your encoder. You have a GTX 1650, which will deliver much better encode quality than the x264 Veryfast you're currently using, with no in-game impact (so long as you do not use Lookahead, Psycho-Visual Tuning, or the Max Quality preset) as NVENC is a separate part of the GPU die that just sits idle unless you're encoding video.