After extensive testing, I discovered it's NOT my trusty behringer U-PHORIA UMC204HD audio interface that's been the cause of my audio problems, so IT MUST be a software setting. I've had the interface disconnect for the last couple of weeks and there's been no problem till this afternoon. I'm using the realtek HD audio drivers at the moment and THIS happened a few minutes ago.
So, when someone mentions stuttering and latency..... the first question in my mind is what driver are you using?
The only driver that I use is ASIO and a quick search of the interface didn't show that it uses ASIO. It might but I didn't find it.
Realtek HD is a very basic driver that's designed to play your mp3 files and YouTube video music. It's certainly not the best choice for music like we do.
Of course, your settings matter but the driver matters more.
So... can your interface use ASIO? If it can, load it and then adjust the settings as needed.
I'll almost bet that if you do a rendering for export of the finished file, the rendered file will be perfect since there's no need to get everything to the speakers in a timely manner. Latency and stuttering are a symptom that the program, generally due to the driver and settings, is not able to keep up in real time, so it starts to drop and hesitate and delay the audio from the tracks. You hear the result. Try ASIO if the interface supports it.