See Ryan's Over-Clocking Sticky
The basic principles of the CPU Multiplier work here, too, with the AMD FX-series AM3+ processors.
With the exception, of course, being Turbo. If you have not disabled Turbo, you may in fact be running 3 cores at 24X200MHz with 3 cores fully down-clocked in certain loads.
I'm guessing you simply cranked the multiplier and left most setting on Auto. You should check your temps with multiple utilities to really keep an eye on things. If your motherboard OEM has a utility they're most likely the best. HWMonitor is good, too.
The -FX Bulldozers were heaters to some extent, but some later silicon had quite a nice volt-range prior to Piledriver. Having the 95w is a good thing.