Thanks Wingman99! Rainwater, I went with these as my final settings:
CPU @ 4600 MHz, RAM 2666 MHz (specifications), voltage manually set to 1.290 (maybe it reaches 1.31 at most, as I have extreme voltage on). Temps during tests are in the high 60s/low 70s at most. At idle, they generally hover around the high twenties and I've seen them go as low as 22/23 if I've idled for a long time.
I've passed OCCT, IBT (on normal and high as well), and Real Bench @ 8 hours so I consider this configuration fairly stable (no BSODs or crashes yet). Tried out Simcity and Battlefront today without issues.
I know there is an offset mode I could put in too. I'm assuming if I hit the - option, it would drop the voltages by the amount I wish at idle? I've read a few threads about offset but I can't get my head around it...