There were some processors...
...processors that did not seem to pass stress testers like P95 Blend mode at the lower default voltges so I gues that the Bios engineers may have raised the default Vcore to make sure that users had no problems getting the boards to run well and not knowing much about their configurations.
Truly without some information, I would really not suggest anything if all is working well. I mean a voltage that is not causing problems is just that, not an issue. If you want a more educated suggestion follow along with the outline below and when you finish we shold have a good idea of wht is happening.
Generally speaking to suggest changes it is easier if we know certain things. Of course beginning with a setting that is 'known' to pass P95 Blend mode makes good sense, because a failed P95 Blend test is not going to give a baseline of a configuration that 'does' work.
CPU Tab in CPUz from CPUID com
Memory Tab in CPUz from CPUID com
SPD Tab in CPUz from CPUID com
And this is screen capture of HWMonitor (free version) from CPUID com
HWMonitor has been scrolled enough and large enough to show Min/Max of Voltages and includes the CPU CORE TEMPS fully visible.
This capture is made of HWMonitor after it has been open on the desktop logging Min/Max temps and voltages while Prime 95 was running Blend Mode test on all cores for at least 20 mins and then the capture of HWMonitor was made and it shows the Min/Max temps and voltages before P95 Blend was started and while running P95 Blend mode and gives much greater insight into how the system is performing without guessing.
In order to attach screenshots of INDIVIDUAL images as suggested, first crop and capture the images with Snipping Tool found in Windows Accessories or equivalent. Then click on Go Advanced, a button at the bottom of every new post window. Then click on the little paperclip tool at the top of the Advanced post window when it opens. Clicking on the paperclip tool brings up the file browser/upload tool and the rest is fairly obvious.