If you torture your cpu in prime95 it will reveal any weaknesses in your hardware by simply freezing up.
It will tell you that when the load on your system gets higher say when a new game is released that gobbles up all your system resources, that your pc won't handle it.
I haven't quite figured out the fire triangle myself on my chip whether it's deformed, low binned or not enough voltage or too much temperature;
The temp. gets too high to unsafe levels before I can get the voltage up.
So the only thing I can do now is get a bigger heatsink and try it out and if the problem is a combination of the chip quality, voltage and temperature, and where it's tolerances lie, well then after that I'll just buy a higher binned chip because at the end of the day overclocking does add a nice touch of polish to most of the games in your inventory.
I will give you some advance warning tho- before you prime95 make sure that you do have a few extra fans huffing on it
because a torture test will stress your cpu beyond anything else you will run on your system
if you're running at 54c you can be practically guaranteed to rise beyond safe temps. on a torture test and your cpu might shut itself down and the system might freeze. It just means you have got problems with coolng to address that are not revealed at your ordinary workload.
As time goes on the demands of software increase on the system. When that happens that will be the point where your pc starts to go a bit wonky anyway, and you may not necessarily realise it's because it has underlying weaknesses that have not been uncovered until that moment.
I easily passed a torture at stock levels and voltages and stayed at 35c.
at 4.7ghz on the multiplier 23.5x200 I passed a torture test on it at 45c.
But at 4.7ghz using both the multiplier and the fsb to clock it up the temp. creeps up ever so slowly to that unsafe level of 61.5c
and I have a 160w cooler supplemented by a backplate cooler and a dozen fans huffing into the case and now I have a thermaltake case and the window is open in the cool evening air.
The only thing left I can attempt is more direct contact heatpipes such as those offered on the v8.
The temperature gradually creeps up in the room the pc is situated in. My central heating is off but the air inside is significantly warmer than the air outside even with the window open.
The other problem is the duty cycle. The temp range of my cpu operating on this system is 0c on the package to 55c right now as I am writing and torturing on prime95 4 threads.
The chip contracts and expands between those extremes. Insufficient cooling will shorten it's life if it's not kept at a more uniform average. temperature most of the time.
I just went out for 15minutes as I feel safeish at 4731mhz and it's still going but that will take another 1hr45mins to pass the amd club and if I up the vCore from 1.392max to 1.4016 or 1.428 or 1.44 or 1.452 it's very likely these will reach unsafe temps.
That's with a heatsink 35watts greater tdp than the rating of the cpu. 125watts cpu on 160watt heatsink. Plus a few other mods jury rigged on it.
The point I'm making is that a medium heatsink like the 160watts isn't good enough to reach a high overclock.
To get the max. overclock that you want you have to go large on your heatsink!
Also when you are torturing it at 100% your cpu is not strictly running at the exact clock speed and voltage you set it to. It's ~approx with a +/-margin of error so you could be getting spikes where you're ok at say 4.8 but when it spikes to 4.85 it just won't take any more.
So you just have to test it at every level and try to figure out what it can handle. If you don't have the equipment to do that to start with, such as the massive heatsink, how can you find out out?
Other people will just say something like 'every chip is different what worked for me won't work for you'.
And don't forget the most extreme overclockers who get over 8ghz with insane cooling like liquid nitrogen.
Your cpu can probably do a lot more but it's not standardized or rated to do it because there are problems at higher clocks such as power consumption increases and temp. is a huge problem where it runs pretty ok at stock levels it's rated to at room temp. with smaller power&heat requirements. That's why the manufacturer doesn't endorse overclocking. You have to do it on your own recognisance and be prepared for the problems, the bills, the heat, and if you're happy with it, then that's ok.