XMP is not overclocking the tested speed of the ram sticks, I agree. I'm just saying the memory stick manufactures overclock the ICs with voltage 1.35-1.5v and one month of binning like silicon lottery. Intel and AMD don't overclock the processors there binned to a more accurate processes.Lol, I'll never call using XMP overclocking the ram sticks.
Example my silicon lottery 5.0GHz i7 9700k would do stock turbo at 4.9GHz prime95 and at 5.0 GHz windows 10 crashed all the time at suggested 1.350V. Maybe my motherboard was a problem. However, if it was Intel's tolerances at 5.0GHz instead of 4.9GHz it would of run at 5.0GHz speed on any motherboard without crashing windows 10.