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This isn't an Intel space heater we're talking here!I've seen some people go higher just watch your temperatures make sure they don't go over 70
HWMonitor is usually OK.
Are you reading the core temp or the motherboard CPU temp?
What vCore (CPU voltage) does CPU-Z show at load?
This shouldn't matter since you're using the multiplier but do you have the RAM voltage and timings set manually to their stock values? You can find those values on CPU-Z's SPD tab ...