Trying lower voltages... some interesting results...
Still at XMP, I set 17-17-17-auto, 3600, IO 1.05v, SA 1.15v, booted and seemed fine under stress for about a minute.
Reboot, set timings to 16-16-16-auto, booted, stress near instant errors out.
Reboot, set ram to 1.40v, wont even boot at that! More voltage upsets it? I'm thinking, is there something like the Ryzen VTT thing that needs to be half ram voltage?
Reboot, set ram back to auto (1.36v reported), lower SA to 1.10. Booted, stress test running fine after 9 minutes. I think I could call this bench stable, which is far more than I managed to get before.
This is why I never bothered with tweaking ram before. So many variables, and I don't have enough experience or knowledge to make educated guesses beyond looking at typical values or what others might have done. Next stop, 15-15-15...
Edit:
Trying 15-15-15... crash on Windows boot
Lower SA to 1.05, a different sort of fail to boot, single white line (like cursor, not flashing) on screen
Ok, maybe 15 isn't happening. What about next speed up?
Set 3733 17-17-17, SA back to 1.10. No boot.
I went to look at 3600 16-16-16 again, but on trying to save an aida cache benchmark it BSOD. So still unstable after all.
Ok, I'm calling it a day on the MSI Z170 mobo. I got some interesting data at the least. Next stop, the Asrock Z370...
Edit 2:
Some results on Asrock Z370 Pro4:
3000 14-14-14 ok 56m
3000 13-13-13 seems ok
3000 12-12-12 no boot
3000 13-12-12 fails stress quickly
3600 17-17-17 seems ok
3600 16-16-16 had to reduce IO/SA to boot at all, stress testing now. Ok for 10 minutes so I guess I'll have to put SuperPI on it next
3000C13 is in theory lower CL time than 3600C16, but which helps more?
The mobo at least has a 3000 multi that doesn't involve messing with fsb.