In English:
CPU at stock means that it runs at the same speeds as you bought the CPU, no overclocking - no raising the speeds of the CPU. For example, if the CPU box lists the CPU to have 3.4 GHz, when you overclock it, you can raise it to 3.5+ GHz, which is kind of bad for the CPU, but good for you, as it gives you advantages of higher speeds, and so smoother gameplay/video editing/modeling/else.
eXtreme Memory Profile: XMP Header, XMP Profile 1 (enthusiast settings - for casual use), XMP Profile 2 (extreme settings - for overclocking purposes)
Really, the only reason I'd buy such CPU is for overclocking. 4 GHz is a beast, but 4.5 is a monster! Anyways, the newer CPUs are being released every how many, 2 years? So, in 5-6 years we might have an octa-core CPU clocked at 4 GHz. And in modern games, even though the CPU plays a pretty big role, the biggest and most important role goes to the graphics card, not CPU. Keep that in mind.
And to say the word why I read this thread... I had the very same question about memory... After all, I guess we shouldn't forget that it's DDR3 - Double Data RAM (Random Access Memory) version 3, and if it says it supports 1600 MHz, it means it supports memory speeds up to 3200 MHz... Right..?