This 5.1 GHz is only "CPU-Z" stable. Not stable at all, but CPU-Z Validation only for HWBOT.
Daily driver stable, clocks are to be expected around 4.2-4.4 GHz.
You might think, "doesn't turbo VID go up to 1.475v possibly, and isn't turbo 4.2 GHz?" but about 1.45-1.475v is all that is recommended AT ALL for this architecture and manufacturing process.
AMD is pushing clocks a lot here, and just like BD release I'm sure there will be defective CPUs right off the bat (unstable at stock without LLC on, you know, Aero problems and failing Prime95) ...aaaand I know a few guys that have tested several chips and average stable clocks are about 4.4 GHz which is about ~200 MHz lower than Zambezi (Bulldozer FX).
EarthDog, FX-41/61/81xx series CPUs have needed about 1.375-1.45v on average for 4.5 GHz. I don't believe the 1.45v for 4.5 GHz there is even stable, but more "will run a bench test suite for hours, then crash randomly at idle sometime" stable
...so most of the way there.
Intel's IB is a different animal, it is a 22nm CPU, AMD's Bulldozer and Piledriver CPUs are on the 32nm node. Why it needs less voltage at 22nm should make a little more sense after you read the PM I sent you.