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Unless you run DC, don't focus so much on your 100% load temperatures. If it's Prime stable and running 95C... so be it. You're not likely to ever see that in everyday use (Unless you run DC) If you can Prime at anything less than 100C, i'd say your good.
Your QPI voltage should really be bumped up a bit. You're getting close to flirting with a disaster. You should never be more than .55V from your DRAM voltage, you're at .55V now, as long as your DRAM voltage is set manually to 1.65V, you are right on the edge. Coming from benching Guru's, stepping out of this safety zone, can easily make a coaster of your 920.
This may be why you're experiencing low temps, as increasing the QPI voltage will bring up the temperatures, just like the vCore will. I would take it to 1.2V, just for good measure. Do you have your Uncore set to auto, or set manually. It also looks like you've dropped the CPU PLL down below the factory 1.8V.
Keeping an i7 under 70*C is a feat for air cooling at over 4GHz, or just a really low ambient. Considering the stock cooler at stock speeds can easily see over 70*C load, I have never heard of those temps causing instability.
I try to keep mine under 85*C under the most stressful stability tests, but the i7 will run safely into the 90s.
Fixing thanx, read cpu pll at 1.4 is good enough for almost any bclk and 1.8 is overkill